UPST Upstart Holdings, Inc.
FY2025 10-K
Upstart Holdings, Inc. (UPST) filed its fiscal year 2025 10-K annual report with the SEC on Feb 10, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: AI-driven lending platform connecting borrowers and banks to optimize loan approvals and pricing
- • Emphasis on enhanced cybersecurity governance with Chief Information Security Officer leading risk mitigation and incident response programs
Management Discussion & Analysis
- • Revenue from fees $950M, up 49% YoY from $635M in 2024
- • Contribution margin 56% vs 60% in 2024; Adjusted EBITDA margin 22% vs 2% in 2024
Risk Factors
- • No material regulatory or legal risk detailed in Risk Factors section
- • Geopolitical or macroeconomic risk absent from disclosed risk factors
Financial SummaryXBRL
Revenue
$1.0B
Net Income
$54M
Operating Margin
4.1%
Net Margin
5.1%
ROE
6.7%
Total Assets
$3.0B
EPS (Diluted)
$0.45
Operating Cash Flow
-$148M
Source: XBRL data from Upstart Holdings, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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