Core Insights - The article discusses the investment positions held by analysts in specific companies, indicating a bullish sentiment towards UPST, SOFI, and AFRM [1] Group 1 - Analysts have disclosed beneficial long positions in UPST, SOFI, and AFRM, suggesting confidence in these stocks [1] - The article emphasizes that the opinions expressed are personal and not influenced by external compensation [1]

This story was originally published on Banking Dive. To receive daily news and insights, subscribe to our free daily Banking Dive newsletter. Upstart has named co-founder and technology chief Paul Gu its next CEO, effective May 1, the artificial intelligence lending fintech said Tuesday in a release. Gu will succeed fellow co-founder Dave Girouard, who will remain executive chair and transition to a special adviser role. Gu, Girouard and former Google executive Anna Counselman founded Upstart in 2012 as ...

By most measures the stock should be soaring. Revenue grew 35% year over year to $265 million during its final quarter of fiscal 2025, and the company swung to a profit of $18.6 million. Nevertheless, as of 12:35 p.m. ET Wednesday, shares of credit-scoring platform Upstart (NASDAQ: UPST) are down 13.5%. What gives? Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now, when you join Stock Advisor. See the stocks » The earnings miss com ...

Core Viewpoint - Upstart Holdings Inc reported adjusted fourth-quarter earnings of 46 cents per share, slightly below the estimated 47 cents, while revenue exceeded expectations [1] Group 1: Earnings and Revenue - The adjusted earnings per share for the fourth quarter were 46 cents, missing the consensus estimate of 47 cents [1] - Revenue for the fourth quarter surpassed estimates, indicating a positive trend in sales despite the earnings miss [1] Group 2: Stock Performance - Shares of Upstart Holdings Inc are down 15.6%, trading at $32.88, and have decreased by 48% over the past 12 months [1][2] - The stock is currently trading below its descending 100-day moving average and is close to its 18-month low of $31.40 [2] Group 3: Analyst Reactions - Analysts have issued three price-target cuts, with Truist reducing its target from $59 to $49, while the 12-month consensus price target remains at $60.33, representing a 79.4% premium to current levels [1] Group 4: Options Market Activity - The call/put volume ratio for Upstart is 2.87, indicating a higher-than-usual appetite for bearish bets compared to bullish ones [3] - The stock's put/call open interest ratio of 1.15 is in the 100th percentile of its annual range, suggesting a significant preference for call options among short-term traders [4] - Over 19,000 calls and 12,000 puts have been traded today, with the February 30 call being the most popular contract [4]

To ensure this doesn’t happen in the future, please enable Javascript and cookies in your browser.If you have an ad-blocker enabled you may be blocked from proceeding. Please disable your ad-blocker and refresh. ...

Core Insights - Upstart Holdings, Inc. reported a revenue of $296.09 million for the quarter ended December 2025, reflecting a year-over-year increase of 35.2% [1] - The earnings per share (EPS) for the quarter was $0.46, up from $0.26 in the same quarter last year, although it fell short of the consensus estimate of $0.47 by 1.6% [1] - The revenue exceeded the Zacks Consensus Estimate of $288.47 million, resulting in a positive surprise of 2.64% [1] Financial Performance Metrics - Transaction volume reached $3.2 million, surpassing the average estimate of $2.96 million from three analysts [4] - Revenue from fees, net, was reported at $265.22 million, exceeding the four-analyst average estimate of $262.3 million, marking a year-over-year increase of 33.1% [4] - Total interest income, interest expense, and fair value adjustments, net, amounted to $30.87 million, compared to the average estimate of $26.07 million from four analysts [4] - Revenue from servicing and other fees, net, was $42.94 million, slightly below the two-analyst average estimate of $45.08 million, with a year-over-year change of 28.1% [4] - Revenue from platform and referral fees, net, was reported at $222.28 million, exceeding the average estimate of $217.23 million from two analysts, representing a year-over-year increase of 34.1% [4] Stock Performance - Over the past month, Upstart's shares have returned -14.1%, while the Zacks S&P 500 composite remained unchanged [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Upstart Holdings, Inc. (UPST) came out with quarterly earnings of $0.46 per share, missing the Zacks Consensus Estimate of $0.47 per share. This compares to earnings of $0.26 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -1.60%. A quarter ago, it was expected that this company would post earnings of $0.42 per share when it actually produced earnings of $0.52, delivering a surprise of +23.81%.Over the last four quarters, the ...

Upstart (NasdaqGS:UPST) Q4 2025 Earnings call February 10, 2026 04:30 PM ET Company ParticipantsArvind Ramnani - Managing DirectorChelsea Williams - Investor RelationsDave Girouard - Co-founder and CEODavid Scharf - Managing DirectorJames Faucette - Managing DirectorJohn Hecht - Managing DirectorKyle Joseph - Managing DirectorKyle Peterson - Equity Research Managing DirectorPaul Gu - Co-founder and CTOPeter Christiansen - DirectorReggie Smith - Equity Research Executive DirectorRob Wildhack - Director of Eq ...

Financial Data and Key Metrics Changes - In 2025, the company achieved a total revenue of approximately $1.04 billion, representing a 64% increase from the previous year, with fee revenue reaching $950 million, up 64% as well [23][29] - The net income for Q4 was approximately $19 million, a significant improvement from a loss of $2.8 million in the same quarter last year [16][28] - The adjusted EBITDA margin for the full year was 22%, compared to just 2% the previous year, reflecting strong operational leverage [29] Business Line Data and Key Metrics Changes - Personal loan originations grew by 75% year-on-year, while auto and home loan originations increased fivefold year-on-year [9][16] - The average loan size rose to approximately $7,000, a 5% increase from the prior quarter, driven by a higher mix of non-personal loan products [27] - The contribution margin for Q4 was 53%, down 4 percentage points from the prior quarter, reflecting a strategic shift towards long-term customer value [27][30] Market Data and Key Metrics Changes - The company reported a total of approximately 456,000 loan transactions in Q4, an 86% increase from the previous year [26] - The Upstart Macro Index (UMI) averaged around 1.4 for most of the past year, indicating a stable consumer risk environment [18][32] - The company expects to maintain a compound annual growth rate of 35% from 2025 to 2028, with a target adjusted EBITDA margin of around 25% by 2028 [32] Company Strategy and Development Direction - The company aims to solidify its position as a leader in AI-powered lending, focusing on expanding market share in auto and home lending segments [11][56] - A strategic shift towards prioritizing customer lifetime value over immediate take rates is expected to enhance long-term profitability [30][68] - The company plans to enhance transparency by providing monthly transaction volume updates, allowing investors to better gauge performance trends [12][59] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the company's growth trajectory, citing a strong foundation built over the past years and improved AI capabilities [10][11] - The leadership transition is seen as a positive step, with the new CEO emphasizing the importance of technology in driving future growth [5][15] - The company anticipates that economic factors such as tax refunds and looser monetary policy will positively impact consumer demand for loans [64] Other Important Information - The company has successfully reduced its balance sheet loans by 20% in Q4, with a significant portion of new product originations funded by third parties [9][25] - The leadership team has undergone changes, with new appointments aimed at strengthening the company's strategic direction [15][33] Q&A Session Summary Question: How did the company manage to reduce balance sheet loans while experiencing strong growth in autos and HELOCs? - Management indicated that the reduction in balance sheet loans was part of a strategy to incubate new products, with 70% of these products now funded by third parties [36][37] Question: How much conservatism is built into the UMI guidance? - The company clarified that the UMI guidance is based on their best estimate of consumer risk, without labeling it as conservative or aggressive [39] Question: What factors are influencing the expected decline in EBITDA margins for 2026? - Management explained that the decline is due to a mix shift towards larger secured products with lower take rates and a focus on long-term customer value [43][45] Question: What is the current health of the private credit partnerships? - The company reported that their private credit partners are performing well, with strong diligence on credit quality [48] Question: How does the company view the consumer health and its impact on loan demand? - Management noted that consumer health is stabilizing post-COVID, with positive trends in UMI indicating a return to normalcy [52][53] Question: What is the company's perspective on the personal loan market and potential saturation? - The company believes it is gaining market share in personal loans and is focused on competitive advantages rather than overall market growth [61][62] Question: How is the company planning to engage borrowers during the repayment period? - Management acknowledged that there is significant potential for improving customer engagement and cross-selling additional products [83]

Upstart (NasdaqGS:UPST) Q4 2025 Earnings call February 10, 2026 04:30 PM ET Speaker6Good afternoon and welcome to the Upstart fourth quarter and full year 2025 earnings call. At this time, all participants are in a listen-only mode to prevent any background noise. Later, we will conduct a question-and-answer session, and instructions will be given at that time. As a reminder, this conference call is being recorded. I'd now like to turn the call over to Chelsea Williams, Investor Relations. Chelsea, please g ...