Upstart Holdings, Inc. · Q4 2025
ReportedFeb 10, 2026
Period endedDec 31, 2025
Rule of 40+70
The quarter in short
Revenue $296M, up 35.2% year over year and 6.8% on the quarter. EPS $0.17, down 26.1% on the quarter. Free cash flow $105M, down 40.7% year over year. Rule of 40 score +70.
Reported this quarter
Revenue
$296M
QoQ +6.8%
YoY +35.2%
EPS
$0.17
QoQ −26.1%
YoY —
Free Cash Flow
$105M
QoQ —
YoY −40.7%
Gross Margin
82.5%
QoQ +0.5 pp
YoY +1.0 pp
FCF Margin
35.3%
QoQ +133.1 pp
YoY −45.2 pp
P/E Ratio
104.1
QoQ −50.8%
YoY —
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Filed with the SEC under CIK 1647639.
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Filed Feb 10, 2026
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Period ended Dec 31, 2025, filed Feb 10, 2026
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