For the quarter ended June 2025, Upstart Holdings, Inc. (UPST) reported revenue of $257.29 million, up 101.6% over the same period last year. EPS came in at $0.36, compared to -$0.17 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $225.3 million, representing a surprise of +14.2%. The company delivered an EPS surprise of +33.33%, with the consensus EPS estimate being $0.27.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Upstart performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Transaction Volume: $2.82 million versus $2.44 million estimated by two analysts on average.
- Revenue- Revenue from fees, net: $240.78 million versus $209.99 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +84.5% change.
- Revenue- Total interest income, interest expense, and fair value adjustments, net: $16.51 million versus the five-analyst average estimate of $15.35 million.
- Revenue- Revenue from fees, net- Servicing and other fees, net: $37.93 million compared to the $38.8 million average estimate based on three analysts. The reported number represents a change of +18.8% year over year.
- Revenue- Revenue from fees, net- Platform and referral fees, net: $202.85 million versus $172.09 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +105.7% change.
View all Key Company Metrics for Upstart here>>>
Shares of Upstart have returned +8.5% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Upstart Holdings, Inc. (UPST): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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