Upstart Holdings, Inc. · Credit Services

UPSTUpstart Holdings, Inc.

Reports 2026-11-03 Pre-market · TueReaction day 11-03reported · reaction settled

Before the print · expectationsfrozen at T-1

No past prints on file yet.

Pricing going in · as of the 11-02 close

−12.5%Move over the last 20 sessionsLast 5 sessions −7.3%

−19.3 ptsvs sector (XLF)XLF over the same window +6.8%

—Forward P/EConsensus: not available

What the record doesn't tell you

Which way does UPST go on 11‑03?

Model lean for 11-03, and the evidence behind it
Move band, P10 – P90
Last 8 prints, quarter by quarter
Peers that already reported, and how they traded

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The print · 8-K and call2026-11-03 · Pre-market

Revenue$371M

est. —

EPS$0.66

est. —

Guidance · FY revenue$1.35B

vs consensus −4.8% · Consensus $1.42B

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Reactionday 5 pending

Pre-market move+0.9%as of 09:25

Open / day close+0.9% / +0.3%

5 days later—day 5 pending

Sector XLF over the same window: open −0.3% / close −0.6% · stock vs sector at the close +0.9 pts

Lean, stance and evidence on this page are model outputs, not investment advice. Trade at your own risk. Disclaimer →

Upstart earnings review: what the record says

Upstart (UPST) reported earnings on Nov 3, 2026, before the open. The company posted EPS of $0.66 and revenue of $371M. The stock opened +0.9% and closed the first session +0.3%.

NextPick tracks UPST in its Fintech basket alongside AFRM, SSNC, TOST, FIS, KLAR and BILL, whose prints read through to this one.

Figures come from NextPick's earnings-reaction ledger and the options market. Not investment advice.

UPST earnings: key questions

How did UPST stock react to earnings?

After the Nov 3, 2026 report, UPST closed the first session +0.3%.