Upstart Holdings, Inc. (UPST) Q3 Earnings Top Estimates

Core Insights - Upstart Holdings, Inc. reported quarterly earnings of $0.52 per share, exceeding the Zacks Consensus Estimate of $0.42 per share, and showing a significant improvement from a loss of $0.06 per share a year ago, resulting in an earnings surprise of +23.81% [1] - The company achieved revenues of $277.11 million for the quarter ended September 2025, which was slightly below the Zacks Consensus Estimate by 1.39%, but represented a year-over-year increase from $162.14 million [2] - Upstart has surpassed consensus EPS estimates in all four of the last quarters and has topped consensus revenue estimates three times during the same period [2] Earnings Outlook - The future performance of Upstart's stock will largely depend on management's commentary during the earnings call and the trends in earnings estimate revisions [3][4] - The current consensus EPS estimate for the upcoming quarter is $0.54, with expected revenues of $302.78 million, and for the current fiscal year, the consensus EPS estimate is $1.66 on revenues of $963.44 million [7] Industry Context - The Financial - Miscellaneous Services industry, to which Upstart belongs, is currently ranked in the top 32% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8] - The performance of Upstart's stock may also be influenced by the overall industry outlook, as empirical research suggests a strong correlation between near-term stock movements and trends in earnings estimate revisions [5][8]