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Upstart (UPST) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Zacks 
0 0 05.11.25
Upstart (UPST) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
 

Upstart Holdings, Inc. (UPST) reported $277.11 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 70.9%. EPS of $0.52 for the same period compares to -$0.06 a year ago.

The reported revenue represents a surprise of -1.39% over the Zacks Consensus Estimate of $281.02 million. With the consensus EPS estimate being $0.42, the EPS surprise was +23.81%.

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: $2.85 million compared to the $3.2 million average estimate based on three analysts.
  • Revenue- Revenue from fees, net: $258.54 million compared to the $275.62 million average estimate based on four analysts. The reported number represents a change of +76.2% year over year.
  • Revenue- Revenue from fees, net- Servicing and other fees, net: $41.66 million versus $46.11 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +24.8% change.
  • Revenue- Revenue from fees, net- Platform and referral fees, net: $216.88 million versus $230.22 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +61.6% change.

View all Key Company Metrics for Upstart here>>>

Shares of Upstart have returned -9.6% over the past month versus the Zacks S&P 500 composite's +2.1% 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 Report

This article originally published on Zacks Investment Research (zacks.com).

Zacks Investment Research


Source Zacks-com

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