Upstart Holdings Inc (UPST) Earning Prediction
Upstart Holdings Inc (UPST) is set to release its earnings performance on 02/10 16:05:00 ET in After Hours trading. Consensus forecasts predict a revenue of 288.47M and an earnings per share (EPS) of 0.46 for the . With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!
Earnings Surprise Analysis
UPST Transcript
The earnings call reveals strong financial metrics, optimistic guidance, and strategic focus on AI and new product development. Despite some unclear management responses, the company's partnerships and market share growth are promising. The stable consumer environment, deliberate credit partnerships, and focus on long-term customer value are positive indicators. Given the market cap, these factors suggest a positive stock price movement.
The earnings call summary and Q&A indicate strong financial metrics and optimistic guidance. The company is focusing on AI enhancements and new product growth, which are expected to drive market share leadership. Despite some model conservatism impacting conversion rates, credit performance remains strong. The positive sentiment is bolstered by a robust shareholder return plan and strategic partnerships, suggesting a likely positive stock price movement over the next two weeks.
The earnings call highlights several positive factors: strong financial metrics, strategic partnerships, and optimistic guidance for future profitability. The company is focusing on AI leadership and funding supply preparation, which are expected to drive growth. Despite a negative net income guidance for Q2, the optimistic full-year guidance for 2025 suggests a positive long-term outlook. The Q&A session revealed management's strategic approach to competition and funding, which should reassure investors. Given the company's market cap and strategic initiatives, a positive stock price movement of 2% to 8% over the next two weeks is anticipated.
UPST Slides
Upstart Q4 2025 slides: Revenue hits $296M despite EPS miss, automation reaches 91%Upstart Q3 2025 slides: Revenue soars 71% YOY, automation reaches 91%Upstart Q2 2025 slides: first GAAP profitable quarter with 102% revenue growthUpstart Q1 2025 slides: 89% origination growth, but stock tumbles on margin concernsUPST Report
Frequently Asked Questions
What is the Upstart Holdings Inc {quarter} Earnings Release Date and Time?
Upstart Holdings Inc (UPST) is scheduled to release its {quarter} earnings report on Feb 10, 2026, After Hours (approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.
What Are the Consensus Forecasts for Upstart Holdings Inc {quarter} Revenue and EPS?
Analysts' consensus predicts 288.47M in revenue and an EPS of 0.46 for Upstart Holdings Inc's {quarter}.
What Does Intellectia's AI Predict for Upstart Holdings Inc {quarter} Earnings?
Intellectia's exclusive AI algorithms forecast a {conclusion} for Upstart Holdings Inc's {quarter} earnings, with a prediction date of Feb 10, 2026. Upstart Holdings Inc {summary}
How Can I Use This Earnings Prediction to Trade UPST Stock?
Leverage Intellectia's AI forecast to position trades ahead of the Feb 10, 2026 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.
How Accurate Is Intellectia's AI for Earnings Predictions Like Upstart Holdings Inc {quarter}?
Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.
How does AI Earnings Prediction generate its forecasts?
AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!
When are the predictions available, and how often are they updated?
Predictions are generated two days before a company's earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They're updated in real-time if significant news breaks, ensuring you get fresh insights.
Can I use AI Earnings Prediction for all types of stocks?
Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2025-2026 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!
