Upstart Announces Results for Second Quarter 2025

What were the key financial metrics (revenue, net income, EPS) and how do they compare to the previous quarter and same quarter last year? What is the cash flow situation—did the company generate positive operating cash flow or require additional financing? How might the current macroeconomic environment (e.g., interest rates, housing market trends) influence Upstart's loan demand and risk profile moving forward? How will the reported Q2 earnings affect Upstart's stock price in the short term? Did Upstart provide any guidance or outlook for Q3 2025 or the full year, and what are the implications for future performance? How does Upstart's Q2 profitability and growth rates compare to its main competitors in the AI lending space? Are there any notable changes in loan volume, default rates, or credit loss provisions that could impact future earnings? Did the results reveal any new strategic initiatives, product launches, or partnerships that could drive long‑term value?