Upstart Holdings, Inc. (UPST Quick QuoteUPST - Free Report) reported $370.52 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 33.7%. EPS of $0.66 for the same period compares to $0.52 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $364.63 million, representing a surprise of +1.62%. The company delivered an EPS surprise of +10%, with the consensus EPS estimate being $0.60.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Upstart performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Originations, Dollars: $4.12 million versus the two-analyst average estimate of $4.24 million.
• Revenue- Total interest income, interest expense, and fair value adjustments, net: $6.49 million versus $21.15 million estimated by three analysts on average.
• Revenue- Revenue from fees, net: $364.03 million compared to the $343.61 million average estimate based on three analysts. The reported number represents a change of +40.8% year over year.

View all Key Company Metrics for Upstart here>>>

Shares of Upstart have returned -12.5% over the past month versus the Zacks S&P 500 composite's -2.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.