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Dec 31, 2025
Upstart Q4 2025 Earnings Report
Upstart returned to profitability with strong revenue growth and higher contribution margins in the quarter.
Key Takeaways
In Q4 2025, Upstart delivered strong top-line growth, returned to profitability, and improved key operating metrics, driven by higher loan originations and increased platform efficiency.
Returned to positive net income in Q4
Revenue grew strongly year-over-year
Loan originations and transaction volume increased significantly
Adjusted EBITDA margin expanded versus last year
Revenue by Segment
Forward Guidance
Upstart expects continued profitability and growth in 2026 supported by diversified funding partners and platform expansion.
Positive Outlook
- Expectations for continued profitability
- Growing funding partner base
- Expansion in auto and home lending
- Improving operating leverage
- Strong platform scalability
Challenges Ahead
- Exposure to macroeconomic conditions
- Dependence on capital market funding
- Credit performance sensitivity
- Competitive fintech environment
- Regulatory and compliance risks
Historical Earnings Impact
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Avg. Return Before/After Earnings
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