Compared to Estimates, Upstart (UPST) Q4 Earnings: A Look at Key Metrics

Core Insights - Upstart Holdings, Inc. reported a revenue of $218.96 million for the quarter ended December 2024, marking a 56.1% increase year-over-year and exceeding the Zacks Consensus Estimate by 21.60% [1] - The company's EPS for the quarter was $0.26, a significant improvement from -$0.11 in the same quarter last year, resulting in an EPS surprise of 620.00% compared to the consensus estimate of -$0.05 [1] Financial Performance Metrics - Transaction Volume reached $2.11 million, surpassing the two-analyst average estimate of $1.66 million [4] - Revenue from fees, net totaled $199.28 million, exceeding the four-analyst average estimate of $185.02 million, reflecting a year-over-year increase of 30.4% [4] - Total interest income, interest expense, and fair value adjustments, net amounted to $19.69 million, significantly better than the estimated -$4.99 million, although this represents a -257.1% change year-over-year [4] - Revenue from platform and referral fees, net was $165.76 million, exceeding the three-analyst average estimate of $148.30 million, with a year-over-year change of +40.2% [4] - Revenue from servicing and other fees, net was $33.52 million, slightly below the three-analyst average estimate of $36.69 million, showing a year-over-year decline of -3.1% [4] Stock Performance - Upstart's shares have returned +24.3% over the past month, outperforming the Zacks S&P 500 composite's +4.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]