Welcome to our dedicated page for Upstart Holdings SEC filings (Ticker: UPST), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Upstart Holdings thrives on algorithms, not branches, which means its SEC disclosures overflow with loss-curve graphs, bank-fee tables and machine-learning jargon. If tracing model accuracy or partner-bank concentration through hundreds of pages feels daunting, you’re not alone. Stock Titan turns that challenge into clarity, making “Upstart SEC filings explained simply” more than a promise.
Here’s how: every filing lands from EDGAR in real time and is paired with an AI digest. Want trading signals? Our alerts surface “Upstart insider trading Form 4 transactions” and the separate stream of “Upstart Form 4 insider transactions real-time”. Need performance context? The “Upstart quarterly earnings report 10-Q filing” is parsed for origination volume and contribution margin, while “Upstart 8-K material events explained” flags algorithm updates mid-quarter. Governance questions are answered inside the “Upstart proxy statement executive compensation” view, and strategy deep dives live in the “Upstart annual report 10-K simplified” narrative.
With AI-powered summaries, ratio tables and risk-factor heat maps, professionals quickly launch an “Upstart earnings report filing analysis”, track “Upstart executive stock transactions Form 4”, or focus on “understanding Upstart SEC documents with AI”—all without manual downloads. Save hours, pinpoint what drives credit performance, and decide with confidence the moment each disclosure hits.
Amendment to Current Report (Form 8-K/A) dated August 5, 2025: Upstart Holdings, Inc. corrected an error in its diluted Adjusted Net Income (Loss) Per Share for the three- and six-month periods ended June 30, 2025.
The corrected diluted adjusted EPS is $0.40 for the three months and $0.70 for the six months ended June 30, 2025. The amendment states these corrections do not affect net income (loss) per share, basic or diluted weighted-average share counts, the Companys financial outlook for the quarter ending September 30, 2025, or other published results.
Upstart Holdings (UPST) posted a sharp turnaround in Q2-25. Total revenue doubled YoY to $257.3 million, driven by an 85% jump in platform & referral fees to $240.8 million and a swing in fair-value/interest items to a $16.5 million gain from a $2.9 million loss.
Profitability returned. Net income reached $5.6 million (diluted EPS $0.05) versus a $54.5 million loss (-$0.62) in Q2-24. For the first six months, revenue rose 84% to $470.7 million and net income turned positive at $3.2 million (EPS $0.03) from a $119.1 million loss.
Loan growth and funding mix. Loans held at fair value expanded 26% since 12/31/24 to $1.02 billion, while restricted cash tied to funding vehicles increased 63% to $305.5 million. Borrowings ticked up only 2% to $1.43 billion, indicating leverage largely stable.
Cash usage remains a watch-item. Cash & equivalents fell to $395.9 million from $788.4 million, and YTD operating cash flow swung to a $133.6 million outflow. Operating expenses climbed 38% YoY to $252.7 million, mainly higher marketing and R&D spend.
Balance-sheet strength improved. Shareholders’ equity rose 14% to $722.0 million, aided by positive earnings and $86 million of additional paid-in capital. Shares outstanding grew 2.8% to 96.1 million.
Key customer concentration persists: three customers each supplied >10% of revenue, with Customer A contributing 35% in Q2-25.
Management cites AI-model accuracy, diversified funding, and macro tailwinds as forward-looking drivers but warns of regulatory and credit-cycle risks.
FAQ
What is the current stock price of Upstart Holdings (UPST)?
What is the market cap of Upstart Holdings (UPST)?
