UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________ FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from_________to ________ Commission File Number: 001-39797 Upstart Holdings, Inc. (Exact name of registrant as specified in its charter) _ ...

Exhibit 99.1 Upstart Announces Results for Second Quarter 2025 SAN MATEO, Calif. – August 5, 2025 – Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced financial results for the quarter ended June 30, 2025. Upstart will host a conference call and webcast at 1:30 p.m. Pacific Time today. An earnings presentation and link to the webcast are available at ir.upstart.com. "A year ago, you saw the first signs that Upstart was returning to growth mod ...

Group 1 - The article discusses the integration of artificial intelligence in the lending industry as consumer debt reaches all-time highs [1] - Upstart Holdings, Inc. is highlighted as an AI-driven lending platform that offers personal loans, auto loans, and home equity lines [1]

Core Insights - The article discusses the current market trends and potential investment opportunities within specific sectors, highlighting the importance of thorough analysis before making investment decisions [1][2]. Group 1: Market Trends - Recent market fluctuations have shown a significant impact on investor sentiment, with a notable increase in volatility observed in the tech sector [1]. - Analysts are focusing on the recovery patterns of various industries post-pandemic, particularly in consumer discretionary and travel sectors, which are showing signs of rebound [1]. Group 2: Investment Opportunities - There are emerging opportunities in renewable energy companies, driven by increased government incentives and consumer demand for sustainable solutions [1]. - The healthcare sector is also highlighted as a potential area for growth, especially companies involved in biotechnology and telehealth services, which have gained traction during the pandemic [1]. Group 3: Risks and Considerations - Investors are advised to remain cautious of potential regulatory changes that could impact certain industries, particularly in technology and finance [1]. - The article emphasizes the need for continuous monitoring of economic indicators that could affect market stability and investment returns [1].

Group 1 - Upstart is expected to report its Q2 2025 earnings on Tuesday after hours, which is highly anticipated by investors [1] - The core thesis revolves around Upstart's ability to attract outside investors to take on its balance sheet loans [1] Group 2 - The marketplace highlights a portfolio of undervalued investment opportunities, focusing on stocks with rapid growth potential and strong management [2] - The emphasis is on selecting the most attractive investments, with a commitment to thorough analysis and stock picking [2] Group 3 - The platform aims to simplify investing by showcasing stocks that deliver strong gains, contributing to the growth of savings [3] - Deep Value Returns' Marketplace is noted for its rapid growth and high-quality, actionable stock picks [3]

The AI lending platform is starting to turn things around and win over investors. Upstart (UPST -2.83%) is an innovator in the financial services industry. The business has developed an artificial intelligence-powered lending platform that can better assess a potential borrower's creditworthiness. Management says this technology can increase approval rates while keeping default risk in check. It's a winning solution. Shares have certainly been volatile. However, Upstart is starting to win over investors. If ...

Core Viewpoint - Upstart Holdings, Inc. is expected to show significant growth in its upcoming earnings report, with a notable increase in both earnings per share (EPS) and revenue compared to the previous year [2][3]. Group 1: Recent Performance - Upstart Holdings, Inc. closed at $79.22, down 3.08% from the previous trading session, underperforming the S&P 500's loss of 1.6% [1] - Over the past month, the company's shares have appreciated by 10.73%, outperforming the Finance sector's gain of 0.8% and the S&P 500's gain of 2.25% [1]. Group 2: Upcoming Earnings Expectations - The earnings report is scheduled for August 5, 2025, with an expected EPS of $0.27, reflecting a 258.82% increase from the prior-year quarter [2]. - Revenue is forecasted to be $225.3 million, indicating a 76.52% growth compared to the same quarter of the previous year [2]. Group 3: Fiscal Year Projections - For the entire fiscal year, earnings are projected at $1.58 per share, representing an increase of 890% from the prior year [3]. - Revenue for the fiscal year is estimated at $1.02 billion, showing a growth of 59.46% compared to the previous year [3]. Group 4: Analyst Estimates and Market Sentiment - Recent changes to analyst estimates indicate a positive outlook for Upstart Holdings, reflecting analysts' confidence in the company's performance and profit potential [3]. - The Zacks Consensus EPS estimate has remained stagnant over the past month, and the company currently holds a Zacks Rank of 3 (Hold) [5]. Group 5: Valuation Metrics - Upstart Holdings, Inc. is currently traded at a Forward P/E ratio of 51.8, which is a premium compared to the industry average Forward P/E of 12.03 [6]. - The Financial - Miscellaneous Services industry, to which Upstart belongs, has a Zacks Industry Rank of 70, placing it in the top 29% of over 250 industries [6].

In the latest close session, Upstart Holdings, Inc. (UPST) was down 1.9% at $81.74. This change lagged the S&P 500's daily loss of 0.37%. On the other hand, the Dow registered a loss of 0.74%, and the technology- centric Nasdaq decreased by 0.03%. Coming into today, shares of the company had gained 13.54% in the past month. In that same time, the Finance sector gained 1.34%, while the S&P 500 gained 2.68%. The upcoming earnings release of Upstart Holdings, Inc. will be of great interest to investors. The co ...

Core Insights - The global fintech market is projected to reach $1.12 trillion by 2032, attracting investor interest in disruptors like StoneCo and Upstart that can scale profitably amid changing regulatory and macroeconomic conditions [1] Company Overview: StoneCo - StoneCo is focused on Brazil's micro, small, and medium business (MSMB) market, offering a full-stack payments, banking, and credit solution [2] - The company reported a 17% year-over-year increase in MSMB total payment volume (TPV) to R$119.5 billion and a 17% rise in active clients to 4.3 million in Q1 2025 [4] - Retail deposits grew by 38% year over year to R$8.3 billion, with R$6.3 billion in time deposits, enhancing funding diversification [5] - StoneCo's credit portfolio stands at R$1.4 billion with non-performing loans (NPLs) at 4.57%, indicating effective risk management [5] - A strategic divestiture of its software segment, including the R$3.41 billion sale of Linx, is expected to improve margins and operational focus [6] - The company has seen an increase in "heavy users" of its services, rising from 26% to 38% [6] Company Overview: Upstart - Upstart utilizes an AI-driven underwriting platform, automating 92% of loans in Q1 2025, with conversion rates improving to 19% [8] - The company is expanding into new verticals such as auto refinancing and HELOCs, with auto originations increasing by 42% sequentially and HELOC volumes growing by 52% [9] - Over 50% of Upstart's loan volume is now backed by committed capital, with 32% of originations coming from super-prime borrowers, indicating improved credit quality [9] Valuation and Performance Comparison - StoneCo trades at a forward Price/Sales (P/S) ratio of 1.39, while Upstart's P/S ratio is 6.64, suggesting StoneCo is more attractively valued [10][15] - StoneCo's sales and EPS estimates for 2025 imply year-over-year increases of 7.6% and 10.4%, respectively [12] - Upstart's sales estimates for 2025 indicate a significant year-over-year rise of 59.5% [14] - Year-to-date, StoneCo shares have outperformed both Upstart and the S&P 500 composite [16] Conclusion - StoneCo presents a compelling investment opportunity with its focus on profitable growth in an emerging market, while Upstart is recognized for its innovative approach in credit underwriting [18] - Despite both companies holding a Zacks Rank of 3 (Hold), StoneCo's valuation appears more favorable at this time [19]

Upstart Holdings, Inc. (UPST) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2025. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on ...