Upstart Holdings, Inc. · Q3 2025
ReportedNov 4, 2025
Period endedSep 30, 2025
Rule of 40−27
The quarter in short
Revenue $277M, up 70.9% year over year and 7.7% on the quarter. EPS $0.23, up 360.0% on the quarter. Free cash flow −$271M, down 87.8% on the quarter. Rule of 40 score −27.
Reported this quarter
Revenue
$277M
QoQ +7.7%
YoY +70.9%
EPS
$0.23
QoQ +360.0%
YoY —
Free Cash Flow
−$271M
QoQ −87.8%
YoY —
Gross Margin
82.0%
QoQ 0.0 pp
YoY +6.3 pp
FCF Margin
-97.7%
QoQ −41.7 pp
YoY −277.0 pp
P/E Ratio
211.7
QoQ —
YoY —
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Sources & downloads
Company
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Earnings press release
Investor relations announcement
SEC filings
Filed with the SEC under CIK 1647639.
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8-K results announcement
Filed Nov 4, 2025
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Press release (EX-99.1)
Exhibit 99.1 to the 8-K
373 KB
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Filing index
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Complete submission
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10-Q quarterly report
Period ended Sep 30, 2025, filed Nov 4, 2025
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Every figure UPST has reported to the SEC
R40 data
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This quarter (CSV)
Reported metrics for Q3 2025, spreadsheet-ready
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This quarter (JSON)
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