Upstart Holdings (UPST) Tops Q4 EPS by 30c, provides outlook

(Updated - February 11, 2025 4:38 PM EST)

Upstart Holdings (NASDAQ: UPST) reported Q4 EPS of $0.26, $0.30 better than the analyst estimate of ($0.04). Revenue for the quarter came in at $218.96 million versus the consensus estimate of $182.07 million.

Financial Outlook

For the first quarter of 2025, Upstart expects:

Revenue of approximately $200 million versus the consensus of $184.6 million

Revenue From Fees of approximately $185 million
Net Interest Income (Loss) of approximately $15 million

Contribution Margin of approximately 57%
GAAP Net Income (Loss) of approximately ($20) million
Adjusted Net Income (Loss) of approximately $16 million
Adjusted EBITDA of approximately $27 million
Basic Weighted-Average Share Count of approximately 95 million shares
Diluted Weighted-Average Share Count of approximately 105 million shares

For full year 2025, Upstart expects:

Revenue of approximately $1 billion, versus the consensus of $823.1 million.

Revenue From Fees of approximately $920 million
Net Interest Income (Loss) of approximately $80 million

Adjusted EBITDA Margin of approximately 18%
GAAP Net Income to be at least breakeven

For earnings history and earnings-related data on Upstart Holdings (UPST) click here.

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