Upstart Holdings (NasdaqGS:UPST) Q3 2025 Earnings Call November 04, 2025 04:30 PM ET Speaker4Good afternoon and welcome to the Upstart Third Quarter 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 would now like to turn the call over to Sonya Banerjee, Head of Investor Relations. Sonya, please ...