For the quarter ended December 2025, Upstart Holdings, Inc. (UPST) reported revenue of $296.09 million, up 35.2% over the same period last year. EPS came in at $0.46, compared to $0.26 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $288.47 million, representing a surprise of +2.64%. The company delivered an EPS surprise of -1.6%, with the consensus EPS estimate being $0.47.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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: $3.2 million compared to the $2.96 million average estimate based on three analysts.
- Revenue- Revenue from fees, net: $265.22 million versus the four-analyst average estimate of $262.3 million. The reported number represents a year-over-year change of +33.1%.
- Revenue- Total interest income, interest expense, and fair value adjustments, net: $30.87 million versus $26.07 million estimated by four analysts on average.
- Revenue- Revenue from fees, net- Servicing and other fees, net: $42.94 million versus the two-analyst average estimate of $45.08 million. The reported number represents a year-over-year change of +28.1%.
- Revenue- Revenue from fees, net- Platform and referral fees, net: $222.28 million compared to the $217.23 million average estimate based on two analysts. The reported number represents a change of +34.1% year over year.
View all Key Company Metrics for Upstart here>>>
Shares of Upstart have returned -14.1% over the past month versus the Zacks S&P 500 composite's no 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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