Upstart Holdings, Inc. (NASDAQ:UPST) stock climbed in Tuesday’s extended trading after the company released its fourth-quarter earnings report, beating estimates on the top and bottom lines.
Here’s a look at the key figures from the quarter.
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The Details: Upstart reported quarterly earnings of 17 cents per share, which beat the analyst consensus estimate of 15 cents by 11.84%, according to data from Benzinga Pro.
Quarterly revenue came in at $296.09 million, which beat the Street estimate of $288.67 million and was up from $218.964 million in the same period last year.
Upstart reported the following fourth quarter highlights:
Fourth Quarter 2025 Highlights
- Transaction Volume: 455,788 loans originated, up 86% year-over-year (reflecting a 19.4% conversion rate, up from 18% in the fourth quarter of 2024.) Total originations were roughly $3.2 billion, up 52% year-over-year.
- Contribution Profit: $141 million, up 15% year-over-year. Contribution margin was 53%, versus 61% in the fourth quarter of 2024.
- Adjusted EBITDA: $63.7 million, up from $38.8 million in the fourth quarter of 2024. Adjusted EBITDA margin was 22%, up from 18% in the fourth quarter of 2024.
“In 2025, we grew originations 86% and revenues 64% while growing headcount just 18% — a ratio any business would die for. And we re-established Upstart as a strongly profitable business,” said Dave Girouard, CEO of Upstart.
“Our auto and home originations each grew 5X in 2025 — and accelerated even further in Q4,” Girouard added.
Outlook: Upstart expects fiscal 2026 revenue of $1.4 billion, versus the $1.27 billion analyst estimate.
UPST Stock Price: According to data from Benzinga Pro, Upstart stock rose 1.90% to $39.73 in Tuesday’s extended trading.
Photo: JHVE / Shutterstock
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