← UPST Overview
8-KFebruary 10, 20262/10/26
UPST — 8-K Filing
Track for AlertsUPST 8-K Summary
On February 10, 2026, Upstart Holdings, Inc. filed an 8-K covering Results of Operations and Financial Condition (Item 2.02) and Financial Statements and Exhibits (Item 9.01). Primary disclosure: On February 10, 2026, Upstart Holdings, Inc. (“Upstart”) reported financial results for the fiscal quarter and full fiscal year ended December 31, 2025. A copy of the press release is attached as Exhibit 99.1 to this report and is incorporated by reference herein.The information…
8-K Items Disclosed
Item 2.02 — Results of Operations and Financial Condition
Quarterly or annual earnings results released. Often paired with a press release as Exhibit 99.1.
On February 10, 2026, Upstart Holdings, Inc. (“Upstart”) reported financial results for the fiscal quarter and full fiscal year ended December 31, 2025. A copy of the press release is attached as Exhibit 99.1 to this report and is incorporated by reference herein.The information contained in this Current Report on Form 8-K, including Exhibit 99.1 attached hereto, is furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section.
Item 9.01 — Financial Statements and Exhibits
Press releases, exhibits, and supporting documents attached to this filing.
(d) ExhibitsExhibit No.Description99.1Press Release issued by Upstart Holdings, Inc. dated February 10, 2026104Cover Page Interactive Data File (Cover page XBRL tags are embedded within the Inline XBRL document)SIGNATURESPursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.Upstart Holdings, Inc.Dated: February 10, 2026By:/s/ Sanjay DattaSanjay DattaChief Financial Officer
Structured financials are not available for this filing. View the original on SEC EDGAR for details.
Current DredgeCap Risk Profile
5.5/10
ELEVATED RISK
Dilution Risk
MODERATE3.5/10
Liquidity Risk
MODERATE4.0/10
Debt Toxicity
ELEVATED5.0/10
Profitability Risk
ELEVATED5.5/10
Going Concern✓ Not flagged
The risk profile above reflects the latest cached DredgeCap analysis for UPST. For the full filing-by-filing analyst report (red flags, primary risk driver, what moves the stock), open UPST's company page.
What is a 8-K?
A current report disclosing a material event that occurred between regular reporting periods. Companies are required to file an 8-K within four business days of certain events including earnings releases, executive changes, acquisitions, debt obligations, restructurings, and material agreements. Each 8-K specifies one or more 'Items' identifying which event triggered the filing.
Form-type explainers and 8-K item descriptions are derived from SEC documentation. Financial values are extracted from SEC-tagged XBRL — see the "Source filings" list above each table for direct EDGAR links to every cited filing. This page does not constitute investment advice. Always consult the original filing on SEC EDGAR for authoritative content, and consult a licensed financial advisor for investment decisions.