UPST Earnings

UPST reported its earnings on 2026-05-05, showcasing a revenue of 308.21M against an estimate of 289.36M, resulting in a 6.52% surprise. The EPS was -0.03, surpassing the expected 0.43 by -106.98%. The stock experienced a -7.92% price change on the earnings day and a 0% change over the next five days, reflecting market reactions to the results.

Following UPST's earnings announcement on 2026-05-05, the stock price moved by -7.92% on the day of the release. Over the subsequent five days, it saw a 0% change. Historically, UPST's stock price tends to shift by an average of 0.8% in the 10 days leading up to earnings and -6.46% in the 10 days following, providing insight into potential market.

For 2026/Q2, analysts estimate UPST's annual revenue to reach 310.36M, while the EPS is projected at 0.59. These estimates reflect recent revisions, with revenue estimates unchanged by 0% and EPS estimates unchanged by 0% over the past three months, indicating analyst expectation in the company's performance.

The correlation between UPST's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock's fundamentals. Over the past three months, revenue estimates for FY2025 were unchanged by 0%, while EPS estimates moved unchanged by 0%. This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, UPST's stock price typically moves by 0.8% in the 10 days before its earnings and -6.46% in the 10 days after. For the upcoming 2026/Q2 earnings, analysts expect an EPS of 0.59 and revenue of 310.36M.

The earnings call presents a positive outlook with strong financial metrics like $294 million in adjusted EBITDA and positive net income. The company's strategy to reinvest in high-margin segments and focus on capital efficiency indicates a long-term growth trajectory. The launch of Cash Line and strong demand from banks and institutional investors further bolster this sentiment. Although there are higher expenses and some uncertainties, the company's robust funding strategy and positive market reception suggest a likely stock price increase in the short term.