UPST (UPST)

{"actual_eps":"0.17","est_eps":"0.15","actual_rev":"$296.1M","est_rev":"$288.5M","guidance_summary":"Upstart expects full-year 2026 total revenue of approximately $1.4 billion, exceeding the consensus estimate of $1.27 billion. The company projects fee revenue of approximately $1.3 billion and an Adjusted EBITDA Margin of approximately 21%. Upstart also discontinued quarterly guidance, opting for annual and multi-year outlooks, targeting a 35% compound annual growth rate for total revenue and a 25% terminal Adjusted EBITDA Margin for the 2025-2028 period.","ai_interpretation":"BULLISH SIGNAL. The double beat on EPS and Revenue, combined with robust full-year 2026 revenue guidance that exceeded consensus, demonstrates strong operational execution and continued momentum in AI-powered lending. The significant growth in auto and home loan originations, along with improved automation, indicates durable growth drivers and efficient scaling of the platform.","verdict":"BUY","executive_summary":"Upstart reported a strong Q4 2025, beating both EPS and revenue estimates. The company provided optimistic full-year 2026 revenue guidance, surpassing analyst consensus, and highlighted significant growth in new loan categories and improved automation, signaling continued momentum in its AI lending platform.","investment_score":{"total":95}}