Upstart Holdings, Inc.
UPSTNASDAQFinancial Services● Active
$31.13
+$1.39(+4.67%)
Market Cap$3.0B
P/E Ratio—
52W High$87.3
52W Low$23.965
Upstart Holdings, Inc. (UPST) Earnings: Dates, EPS & Revenue History
Quarterly EPS vs. estimates, revenue surprises, next earnings date, and analyst consensus.
UPST · earnings · updated Jun 8, 2026
Latest Earnings
Q2 FY2026Report Date: May 5, 2026EPS Actual
$0.30
Est. $0.39 · -23.1%
Revenue
$0.31B
Est. $0.30B · +2.3%
Fiscal Period
Q2 FY2026
FY ends December
Report Date
May 5, 2026
After Market Close
▼ Miss EPS▲ Beat Revenue
UPST reports quarterly as a NASDAQ-listed Financial - Credit Services company. Fiscal year ends in December. Data: FMP · Updated hourly.
Next Earnings Date
Days Away
85
days
Expected Date
Sep 1, 2026
Fiscal Period
Q3 FY2026
Release Time
◌ Time TBD (Unconfirmed)EPS Est.
—
Days Away85
Expected DateSep 1, 2026
Fiscal PeriodQ3 FY2026
Release TimeTime TBD (Unconfirmed)
EPS Est.—
EPS & Revenue vs. Estimates
Actual (Beat)
Actual (Miss)
Estimated
Earnings History
| Period | Report Date | EPS Est. | EPS Actual | EPS Surpr. | Revenue | Rev. Est. | Rev. Surpr. |
|---|---|---|---|---|---|---|---|
| ◌ Q3 FY2026 | Aug 4, 2026 | $0.53 | — | — | — | $0.34B | — |
| ▼ Q2 FY2026 | May 5, 2026 | $0.39 | $0.30 | -23.1% | $0.31B | $0.30B | +2.3% |
| ▼ Q1 FY2026 | Feb 10, 2026 | $0.47 | $0.46 | -2.1% | $0.30B | $0.29B | +2.6% |
| ▲ Q4 FY2025 | Nov 4, 2025 | $0.42 | $0.52 | +23.8% | $0.29B | $0.29B | -0.9% |
| ▲ Q3 FY2025 | Aug 5, 2025 | $0.27 | $0.36 | +33.3% | $0.26B | $0.28B | -8.4% |
| ▲ Q2 FY2025 | May 6, 2025 | $0.19 | $0.30 | +57.9% | $0.22B | $0.20B | +9.5% |
| ▲ Q1 FY2025 | Feb 11, 2025 | -$0.04 | $0.26 | +750.0% | $0.21B | $0.18B | +16.1% |
| ▲ Q4 FY2024 | Nov 7, 2024 | -$0.15 | -$0.06 | +59.1% | $0.16B | $0.15B | +8.6% |
Q3 FY2026
Aug 4, 2026
EPS Actual
—
EPS Est.
$0.53
EPS Surpr.
—
Revenue
—
Q2 FY2026
May 5, 2026Miss
EPS Actual
$0.30
EPS Est.
$0.39
EPS Surpr.
-23.1%
Revenue
$0.31B
Q1 FY2026
Feb 10, 2026Miss
EPS Actual
$0.46
EPS Est.
$0.47
EPS Surpr.
-2.1%
Revenue
$0.30B
Q4 FY2025
Nov 4, 2025Beat
EPS Actual
$0.52
EPS Est.
$0.42
EPS Surpr.
+23.8%
Revenue
$0.29B
Q3 FY2025
Aug 5, 2025Beat
EPS Actual
$0.36
EPS Est.
$0.27
EPS Surpr.
+33.3%
Revenue
$0.26B
Q2 FY2025
May 6, 2025Beat
EPS Actual
$0.30
EPS Est.
$0.19
EPS Surpr.
+57.9%
Revenue
$0.22B
Q1 FY2025
Feb 11, 2025Beat
EPS Actual
$0.26
EPS Est.
-$0.04
EPS Surpr.
+750.0%
Revenue
$0.21B
Q4 FY2024
Nov 7, 2024Beat
EPS Actual
-$0.06
EPS Est.
-$0.15
EPS Surpr.
+59.1%
Revenue
$0.16B
Analyst Estimates
Limited analyst coverage (fewer than 3 analysts). Estimates may not reflect market consensus.
EPS Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2028 | $1.77 | $1.87 | $1.97 | 3 |
| Q3 FY2028 | $1.72 | $1.81 | $1.90 | 2 |
| Q2 FY2028 | $1.64 | $1.72 | $1.81 | 2 |
| Q1 FY2028 | $0.05 | $0.05 | $0.05 | 3 |
| Q4 FY2027 | $0.94 | $0.99 | $1.04 | 2 |
| Q3 FY2027 | $0.86 | $0.91 | $0.95 | 1 |
Revenue Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2028 | $0.7B | $0.7B | $0.8B | 4 |
| Q3 FY2028 | $0.7B | $0.7B | $0.7B | 4 |
| Q2 FY2028 | $0.6B | $0.7B | $0.7B | 5 |
| Q1 FY2028 | $0.5B | $0.5B | $0.5B | 2 |
| Q4 FY2027 | $0.5B | $0.5B | $0.5B | 3 |
| Q3 FY2027 | $0.5B | $0.5B | $0.5B | 3 |
Earnings Price Reaction
Closing price one trading day before vs. one trading day after each earnings release.
| Period | Report Date | EPS Beat/Miss | Price Before | Price After | 1D Reaction |
|---|---|---|---|---|---|
| ▼ Q2 FY2026 | May 5, 2026 | -23.1% | $32.08 | $31.17 | -2.84% |
| ▼ Q1 FY2026 | Feb 10, 2026 | -2.1% | $38.85 | $38.96 | +0.28% |
| ▲ Q4 FY2025 | Nov 4, 2025 | +23.8% | $47.54 | $46.24 | -2.73% |
| ▲ Q3 FY2025 | Aug 5, 2025 | +33.3% | $82.83 | $82.62 | -0.25% |
| ▲ Q2 FY2025 | May 6, 2025 | +57.9% | $52.00 | $51.40 | -1.15% |
| ▲ Q1 FY2025 | Feb 11, 2025 | +750.0% | $70.94 | $67.34 | -5.07% |
| ▲ Q4 FY2024 | Nov 7, 2024 | +59.1% | $53.98 | $55.47 | +2.76% |
| ▲ Q3 FY2024 | Aug 6, 2024 | +56.4% | $23.82 | $23.87 | +0.21% |
Q2 FY2026-2.84%
Report Date
May 5, 2026
EPS Beat/Miss
-23.1%
Price Before
$32.08
Price After
$31.17
Q1 FY2026+0.28%
Report Date
Feb 10, 2026
EPS Beat/Miss
-2.1%
Price Before
$38.85
Price After
$38.96
Q4 FY2025-2.73%
Report Date
Nov 4, 2025
EPS Beat/Miss
+23.8%
Price Before
$47.54
Price After
$46.24
Q3 FY2025-0.25%
Report Date
Aug 5, 2025
EPS Beat/Miss
+33.3%
Price Before
$82.83
Price After
$82.62
Q2 FY2025-1.15%
Report Date
May 6, 2025
EPS Beat/Miss
+57.9%
Price Before
$52.00
Price After
$51.40
Q1 FY2025-5.07%
Report Date
Feb 11, 2025
EPS Beat/Miss
+750.0%
Price Before
$70.94
Price After
$67.34
Q4 FY2024+2.76%
Report Date
Nov 7, 2024
EPS Beat/Miss
+59.1%
Price Before
$53.98
Price After
$55.47
Q3 FY2024+0.21%
Report Date
Aug 6, 2024
EPS Beat/Miss
+56.4%
Price Before
$23.82
Price After
$23.87
Avg Beat Reaction-1.04%
Avg Miss Reaction-1.28%
Beat Rate6 / 8 quarters
Largest Move-5.07% (Q1 FY2025)
Data: FMP /historical-price-eod/full · field: close
About Earnings & Data Methodology
Data source: Financial Modeling Prep (FMP) | Updated: Hourly | Surprise%: (Actual − Estimate) / |Estimate| × 100 | Fiscal year: UPST ends December
Upstart Holdings, Inc. (UPST) most recently reported earnings on May 5, 2026 for Q2 FY2026, posting EPS of $0.30 — missing the analyst consensus of $0.39 by -23.1%. The next UPST earnings date is expected around September 1, 2026.
Each quarter, investors track UPST earnings for signals on forward guidance and business momentum. For longer-term revenue trends, see the Revenue tab. UPST revenue tab →
Earnings Glossary
EPS (Earnings Per Share)
Net income ÷ diluted shares outstanding. The primary metric analysts use to gauge quarterly profitability.
Earnings Surprise %
(Actual − Estimate) / |Estimate| × 100. Positive = Beat. Negative = Miss.
Beat / Miss / In-Line
Beat = Actual ≥ Estimate. Miss = Actual < Estimate. In-Line = within ±1%.
BMO / AMC
Before Market Open / After Market Close. Two windows when companies typically release results.
Fiscal Quarter
UPST's fiscal year ends in December. Fiscal quarters may not align with calendar quarters.
Analyst Consensus
Average EPS/Revenue forecast across all covering analysts. More analysts = more reliable estimate.
Figures tie to FMP earnings calendar, estimates, and SEC 10-Q/10-K filings where noted.
Frequently asked questions
UPST earnings · 5 questionsUpstart Holdings, Inc.'s next earnings report is expected around September 1, 2026. UPST typically reports quarterly — approximately every three months. The exact date is confirmed by the company 2–4 weeks before the release. Time is currently TBD; UPST historically reports after market close (AMC).
UPST earnings datewhen is UPST earningsUPST next earnings datewhen does UPST report earningsUPST earnings calendar
▸ Source: FMP · Upstart Holdings, Inc. SEC filings · US GAAP · Upstart Holdings, Inc. SEC 10-K & 10-Q filings · US GAAP · Updated: Jun 8, 2026