Upstart Stock Climbs After Q4 Earnings: Here's Why

Core Insights - Upstart Holdings, Inc. reported strong fourth-quarter earnings, surpassing both revenue and earnings estimates, leading to a rise in stock price [1][2]. Financial Performance - Quarterly earnings were reported at 17 cents per share, exceeding the analyst consensus estimate of 15 cents by 11.84% [2]. - Quarterly revenue reached $296.09 million, beating the Street estimate of $288.67 million and showing a significant increase from $218.964 million in the same period last year [2]. Growth Metrics - In 2025, Upstart achieved a remarkable 86% growth in originations and a 64% increase in revenues, while only increasing headcount by 18% [2]. - The company highlighted that auto and home originations grew fivefold in 2025, with further acceleration noted in Q4 [3]. Future Outlook - For fiscal 2026, Upstart anticipates revenue of $1.4 billion, which is above the analyst estimate of $1.27 billion [3]. - Following the earnings report, Upstart's stock price increased by 1.90%, reaching $39.73 in extended trading [3].