Quarterly · Earnings Season

Earnings Decoded

1 edition published · AI-parsed summaries of earnings calls from major US consumer lenders
Latest edition

Upstart Q4 2025: Record revenue, return to profit, and a leadership transition

Upstart closed 2025 with $1 billion in revenue, $54 million in net income, and 86% origination growth — then announced its co-founder Paul Gu takes over as CEO on May 1. A full breakdown of Q4 results, management tone, and what it means heading into 2026.

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