Overview
AI lending marketplace's Q4 revenue grew 35% YoY
Net income for Q4 improved to $18.6 mln from a loss last year
Company announced leadership change with Paul Gu as new CEO
Outlook
Upstart expects full-year 2026 revenue of approximately $1.4 bln
Company targets compound annual revenue growth of 35% for 2025-2028
Upstart plans to publish monthly origination volumes starting today
Result Drivers
LOAN ORIGINATIONS - Upstart's auto and home loan originations grew 5X in 2025, accelerating further in Q4
BALANCE SHEET REDUCTION - Co reduced loans on balance sheet by 20% quarter-over-quarter, expecting trend to continue
FEE REVENUE INCREASE - Revenue from fees rose 33% YoY, contributing to total revenue growth
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Fees Revenue | $265.22 mln | ||
Q4 EPS | $0.17 | ||
Q4 Net Income | $18.64 mln | ||
Q4 Operating Expenses | $277.17 mln | ||
Q4 Pretax Profit | $19.16 mln |
Analyst Coverage
The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 8 "strong buy" or "buy", 6 "hold" and 1 "sell" or "strong sell"
The average consensus recommendation for the consumer lending peer group is "buy"
Wall Street's median 12-month price target for Upstart Holdings Inc is $59.00, about 51.9% above its February 9 closing price of $38.85
The stock recently traded at 16 times the next 12-month earnings vs. a P/E of 20 three months ago
Press Release: ID:nBw640WK1a
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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)