U UPST

Upstart Holdings Inc

$26.91

+5.20% (+$1.33)

Volume 3.97M

52W High $87.30

52W Low $23.97

Market Cap $3.78B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.20

Whisper EPS

$0.23

15.0% above consensus

Last Quarter

--

Current Streak

7 Beats

Avg Surprise (4Q)

+39.40%

Next Earnings Report

Reports in 28 days

Report Date May 5, 2026

Whisper Spread +15.00%

Consensus Estimate

$0.20

Official analyst average

Whisper Number

$0.23

What traders expect

Bullish Sentiment: The whisper number is 15.0% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 11 quarters

Price Movement Around Earnings

Q4 2025 Feb 17, 2026

1-Day: -1.38%

Q4 2025 Feb 10, 2026

1-Day: -15.04%

Q3 2025 Nov 6, 2025

1-Day: +2.32%

5-Day: +3.19%

Q2 2025 Aug 5, 2025

1-Day: -18.74%

Revenue & Financial Performance

Revenue Whisper

$331.0M

TWN Proprietary Estimate

Last Quarter Revenue

$304.2M

+34.4% YoY

Gross Margin

90.8%

Net Margin: 6.1%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$304.2M	+34.4%	90.8%	6.3%	$18.6M
Q3'25	$285.9M	+65.3%	96.9%	11.2%	$31.8M
Q2'25	$265.1M	+90.6%	97.1%	2.1%	$5.6M
Q1'25	$220.4M	+59.1%	96.8%	-1.1%	-$2.4M
Q4'24	$226.4M	+52.0%	93.3%	-1.2%	-$2.8M
Q3'24	$173.0M	+28.5%	93.8%	-3.9%	-$6.8M
Q2'24	$139.1M	+2.5%	91.8%	-39.2%	-$54.5M
Q1'24	$138.5M	+34.6%	92.3%	-46.6%	-$64.6M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Feb 17, 2026	$0.47	$0.54	--	--	--
Q4 2025	Feb 10, 2026	$0.15	$0.53	$0.17	+13.33%	Missed
Q3 2025	Nov 6, 2025	$0.42	$0.48	$0.52	+23.81%	Beat
Q2 2025	Aug 5, 2025	$0.25	$0.29	$0.36	+44.00%	Beat
Q1 2025	May 6, 2025	$0.17	$0.20	$0.30	+76.47%	Beat
Q4 2024	Feb 11, 2025	-$0.04	-$0.04	$0.26	--	Beat
Q3 2024	Nov 7, 2024	-$0.15	-$0.15	-$0.06	+60.00%	Beat
Q2 2024	Aug 6, 2024	-$0.39	-$0.39	-$0.17	+56.41%	Beat
Q1 2024	May 7, 2024	-$0.39	-$0.39	-$0.31	+20.51%	Beat
Q4 2023	Feb 13, 2024	-$0.14	-$0.14	-$0.11	+21.43%	Beat
Q3 2023	Nov 7, 2023	-$0.02	-$0.02	-$0.05	--	Missed
Q2 2023	Aug 8, 2023	-$0.07	-$0.07	$0.06	--	Beat