UPST Earnings Date: Nov 3, 2026 (Estimated) — Upstart Holdings, Inc.
NASDAQ · Financials · Credit Services
Updated
When is UPST's next earnings date?
Upstart Holdings, Inc. (UPST) is expected to report Q3 2026 earnings on Tuesday, November 3, 2026 at 4:00 PM ET (after market close); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $0.21 on revenue of $364.0M.
How did UPST do in its last earnings report?
In its most recent report on Aug 4, 2026 (Q2 2026), Upstart Holdings, Inc. posted EPS of $0.56 versus the $0.53 estimate, a beat of 5.7%. Revenue was $364.7M against a $347.6M estimate. The stock's 1-day post-earnings move was -0.4%.
How much does UPST stock move after earnings?
UPST beat EPS estimates in 7 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 21.1% (up or down) in the day after earnings.
About Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-08-04 | Q2 2026 | 0.53 | 0.56 | +5.66% | $364.7M | ✅ Beat | -0.40% | -1.42% | -7.09% |
| 2026-05-05 | Q1 2026 | 0.38 | 0.30 | -21.05% | $308.2M | ❌ Miss | -7.92% | -10.68% | +3.53% |
| 2026-02-10 | Q4 2025 | 0.34 | 0.46 | +35.29% | $296.1M | ✅ Beat | -15.04% | -19.07% | -33.88% |
| 2025-11-04 | Q3 2025 | 0.29 | 0.52 | +79.31% | $277.1M | ✅ Beat | -9.71% | -15.81% | +1.92% |
| 2025-08-05 | Q2 2025 | 0.12 | 0.36 | +200.00% | $257.3M | ✅ Beat | -18.74% | -23.25% | -20.27% |
| 2025-02-11 | Q4 2024 | -0.04 | 0.26 | +750.00% | $219.0M | ✅ Beat | +31.82% | +23.42% | -31.23% |
| 2024-11-07 | Q3 2024 | -0.15 | -0.06 | +60.00% | $162.1M | ✅ Beat | +46.02% | +21.48% | +37.71% |
| 2024-08-06 | Q2 2024 | -0.40 | -0.17 | +57.50% | $127.6M | ✅ Beat | +39.51% | +58.48% | +49.64% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q2 FY26 · $102.0M total
| Segment | Share | Revenue | YoY | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 |
|---|---|---|---|---|---|---|---|
| Servicing Fees, Net | 53.7% | $54.8M | +44.5% | $33.4M | $65.5M | $34.5M | $37.9M |
| Servicing Fees | 33.0% | $33.6M | +43.5% | $21.8M | $44.3M | $22.8M | $23.4M |
| Borrower Fees | 9.1% | $9.3M | +40.0% | $6.6M | $12.7M | $6.7M | $6.7M |
| Collection Agency Fees | 3.4% | $3.5M | -5.5% | $4.0M | $7.8M | $3.8M | $3.7M |
| Other Fees | 0.7% | $705K | -15.4% | $88K | $491K | $97K | $833K |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.