Upstart Holdings Faces Critical Earnings Test

Today marks a pivotal moment for Upstart Holdings as the AI-driven lending platform prepares to release its third-quarter 2025 financial results after market close. This earnings announcement represents the most significant challenge the company has faced this year, with investor expectations reaching unprecedented levels.

Market experts anticipate Upstart will report revenue between $279.6 million and $281 million, which would represent year-over-year growth of up to 73.3 percent. The consensus forecast for earnings per share stands at $0.42. Hitting these targets would mean the firm precisely matches its own revenue guidance of $280 million.

Recent trading activity has raised concerns about whether the company can deliver against these ambitious expectations. Over the past four weeks, Upstart Read more...