{"filing":{"accession_number":"0001647639-26-000062","cik":"0001647639","ticker":"UPST","company_name":"Upstart Holdings, Inc.","form":"8-K","filing_date":"2026-08-04","report_date":"2026-08-04","primary_document":"upst-20260804.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/1647639/000164763926000062/upst-20260804.htm"},"events":[{"id":24256,"run_id":21963,"accession_number":"0001647639-26-000062","anchor_item_number":"2.02","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.98,"summary":"This is a clear earnings release for Q2 2026 (quarter ended June 30, 2026) filed on August 4, 2026. The disclosure includes comprehensive financial results: originations up 50% YoY to $4.2 billion, total revenue of $365 million (up 42% YoY), net income of $16.5 million (up 195% YoY), and return to GAAP profitability. The press release is attached as Exhibit 99.1 and includes detailed financial statements, non-GAAP reconciliations, and forward guidance for full-year 2026 revenue of approximately $1.4 billion. This is material to investors as it discloses significant operational and financial performance metrics.","company_name":"Upstart Holdings, Inc.","ticker":"UPST","filing_date":"2026-08-04","form":"8-K","submitted_at":null,"items":[{"id":24748,"accession_number":"0001647639-26-000062","item_number":"2.02","item_title":"Results of Operations and Financial Condition.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.98,"reasoning":"This is a clear earnings release for Q2 2026 (quarter ended June 30, 2026) filed on August 4, 2026. The disclosure includes comprehensive financial results: originations up 50% YoY to $4.2 billion, total revenue of $365 million (up 42% YoY), net income of $16.5 million (up 195% YoY), and return to GAAP profitability. The press release is attached as Exhibit 99.1 and includes detailed financial statements, non-GAAP reconciliations, and forward guidance for full-year 2026 revenue of approximately $1.4 billion. This is material to investors as it discloses significant operational and financial performance metrics.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-06T02:16:31.635618+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":24748,"accession_number":"0001647639-26-000062","item_number":"2.02","item_title":"Results of Operations and Financial Condition.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.98,"reasoning":"This is a clear earnings release for Q2 2026 (quarter ended June 30, 2026) filed on August 4, 2026. The disclosure includes comprehensive financial results: originations up 50% YoY to $4.2 billion, total revenue of $365 million (up 42% YoY), net income of $16.5 million (up 195% YoY), and return to GAAP profitability. The press release is attached as Exhibit 99.1 and includes detailed financial statements, non-GAAP reconciliations, and forward guidance for full-year 2026 revenue of approximately $1.4 billion. This is material to investors as it discloses significant operational and financial performance metrics.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-06T02:16:31.635618+00:00","company_name":"Upstart Holdings, Inc.","ticker":"UPST","filing_date":"2026-08-04"}]}