Upstart Holdings, Inc. (UPST) earnings date, results and what the price requires
Nasdaq · SEC CIK 0001647639 · SEC filings checked Oct 18, 2026
Previous results (SEC filings)
| Quarter ended | Reported | Revenue | Net income | Diluted EPS | Source |
|---|---|---|---|---|---|
| Jun 30, 2026 | Aug 4, 2026 | $364.7M | $16.5M | $0.16 | Filing |
| Mar 31, 2026 | May 5, 2026 | $308.2M | $-6.6M | $-0.07 | Filing |
| Dec 31, 2025 | Feb 10, 2026 | $296.1M | $18.6M | $0.20 | Filing |
| Sep 30, 2025 | Nov 4, 2025 | $277.1M | $31.8M | $0.23 | Filing |
| Jun 30, 2025 | Aug 5, 2025 | $257.3M | $5.6M | $0.05 | Filing |
| Mar 31, 2025 | May 6, 2025 | $213.4M | $-2.4M | $-0.03 | Filing |
| Dec 31, 2024 | Feb 11, 2025 | $219.0M | $-2.8M | $-0.01 | Filing |
| Sep 30, 2024 | Nov 7, 2024 | $162.1M | $-6.8M | $-0.07 | Filing |
What would Upstart Holdings, Inc. have to report for its valuation to change?
At $23.56, with a 9.0% required return and a 18× earnings multiple in 5 years, earnings per share must grow about 31.1% a year, to $2.01. On that path the next quarter needs diluted EPS near $0.30, against $0.23 in the quarter ended Sep 30, 2025.
Compare buying at the last close now with waiting for results: if the report moves the growth the price requires, the entry price you would accept changes with it.
| Result | Original | Yours |
|---|---|---|
| Required EPS growth / year | 31.1% | 31.1% |
| EPS needed in final year | $2.01 | $2.01 |
Changed: nothing yet. Model: EPS × (1+g)^years × final P/E, discounted at the required return, equals today's price. Inputs: SEC diluted EPS and the dated close above.
Prepare for earnings across my investments — $399/month
Keep working models for the companies you follow, compare your expectations with reported results, and review what changes your investment decision. UPST goes in with your buy-or-wait comparison and assumptions preserved.
Figures come from SEC EDGAR XBRL filings. Dates marked "estimated" are calculated from the company's past results filings and are not confirmed. Not investment advice.