UPST Upstart Holdings, Inc.
Q3 2025 10-Q
Upstart Holdings, Inc. (UPST) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 4, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
AI Filing AnalysisQ3 2025 10-Q
Risk Factors
- • New risk: Increased exposure to committed capital losses, max potential loss $797.3M as of Sept 30, 2025, up from $357.9M Sept 30, 2024, due to more co-investment arrangements
- • Most materially updated risk: Underperformance of loans originated 2021-23 causing negative rating agency actions on asset-backed securitizations, impacting financing access
Quarterly Financial SummaryXBRL
Revenue
$277M
▲ +70.9% YoY▲ +7.7% QoQ
Net Income
$32M
▲ +570.6% YoY▲ +467.2% QoQ
Operating Margin
8.5%
▲ +3639bp YoY▲ +678bp QoQ
Net Margin
11.5%
▲ +1565bp YoY▲ +930bp QoQ
ROE
4.3%
Total Assets
$2.9B
EPS (Diluted)
$0.25
▲ +516.7% YoY▲ +316.7% QoQ
Operating Cash Flow
-$123M
▼ -168.4% YoY▼ -2.1% QoQ
Source: XBRL data from Upstart Holdings, Inc. Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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