Upstart (UPST) earnings history
Most recent quarter
- Fiscal period
- Q2 2026
- Period end
- Jun 30, 2026
- EPS actual
- $0.16
- EPS estimate
- $0.19
- EPS surprise
- −15.97%
- Revenue surprise
- +3.52%
- Revenue
- $364.7M
- Revenue estimate
- $352.3M
- Reported
- Aug 4, 2026
Upstart reported Q2 2026 results on August 4, 2026. Earnings per share were $0.16, below the $0.19 estimate by 15.97%. Revenue of $364.7 million beat the $352.3 million consensus by 3.52% and was the highest in the table. Compared with Q2 2025, revenue rose about 42% from $257.3 million, while EPS fell from $0.36.
The table covers a full cycle. Revenue fell from $310.1 million in Q1 2022 to $102.9 million in Q1 2023, then recovered to new highs. Annual EPS went from $0.13 in 2022 to losses of $0.57 per share in 2023 and $0.28 in 2024, then to $1.67 in 2025. Annual revenue rose from $513.6 million in 2023 to $1.04 billion in 2025. Upstart had losses in nine of the last 20 quarters, most recently $0.07 per share in Q1 2026. It has missed the EPS estimate in each of the last three quarters, after eight beats in a row, and beat 14 times in 20 quarters overall.
Upstart reported Q3 between November 4 and November 9 in each of the past five years. That points to early November 2026 for the next report. It will show whether revenue growth carries through to earnings per share.
Earnings history
| Period | Reported | EPS estimate | EPS actual | Surprise | Revenue | Filing |
|---|---|---|---|---|---|---|
| Q2 2026 | Aug 4, 2026 | $0.19 | $0.16 | −15.97% | $364.7M | SEC |
| Q1 2026 | May 5, 2026 | $0.39 | −$0.07 | −118.06% | $308.2M | SEC |
| Q4 2025 | Feb 10, 2026 | $0.46 | $0.46 | −0.98% | $296.1M | SEC |
| Q3 2025 | Nov 4, 2025 | $0.43 | $0.52 | +21.92% | $277.1M | SEC |
| Q2 2025 | Aug 5, 2025 | $0.25 | $0.36 | +41.51% | $257.3M | SEC |
| Q1 2025 | May 6, 2025 | $0.17 | $0.33 | +93.66% | $213.4M | SEC |
| Q4 2024 | Feb 11, 2025 | −$0.04 | $0.26 | +753.27% | $219.0M | SEC |
| Q3 2024 | Nov 7, 2024 | −$0.15 | −$0.06 | +59.13% | $162.1M | SEC |
| Q2 2024 | Aug 6, 2024 | −$0.39 | −$0.17 | +56.70% | $127.6M | SEC |
| Q1 2024 | May 7, 2024 | −$0.37 | −$0.31 | +15.67% | $127.8M | SEC |
| Q4 2023 | Feb 13, 2024 | −$0.14 | −$0.11 | +22.21% | $140.3M | SEC |
| Q3 2023 | Nov 7, 2023 | −$0.02 | −$0.05 | −159.07% | $134.6M | SEC |
| Q2 2023 | Aug 8, 2023 | −$0.07 | $0.06 | +187.59% | $135.8M | SEC |
| Q1 2023 | May 9, 2023 | −$0.75 | −$0.47 | +37.40% | $102.9M | SEC |
| Q4 2022 | Feb 14, 2023 | −$0.47 | −$0.25 | +47.17% | $146.9M | SEC |
| Q3 2022 | Nov 8, 2022 | −$0.08 | −$0.24 | −191.26% | $157.2M | SEC |
| Q2 2022 | Aug 8, 2022 | $0.07 | $0.01 | −85.16% | $228.2M | SEC |
| Q1 2022 | May 9, 2022 | $0.53 | $0.61 | +15.25% | $310.1M | SEC |
| Q4 2021 | Feb 15, 2022 | $0.51 | $0.89 | +75.20% | $304.8M | SEC |
| Q3 2021 | Nov 9, 2021 | $0.33 | $0.60 | +79.37% | $228.4M | SEC |
Quarterly revenue
Frequently asked questions
When did Upstart (UPST) last report earnings?
Upstart last reported on Aug 4, 2026, covering fiscal Q2 2026.
Did UPST beat earnings estimates?
No. Upstart reported EPS of $0.16 for Q2 2026 against a $0.19 estimate — a 15.97% miss.
How much revenue did UPST report last quarter?
Upstart reported $364.7M in revenue for Q2 2026, against a consensus estimate of $352.3M.
Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.
This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.