How does Upstart's Q2 profitability and growth rates compare to its main competitors in the AI lending space?

Short answer: The brief Business Wire release you’ve referenced tells us only that Upstart has “announced results for the second quarter of 2025,” but it does not contain any specific figures on revenue, earnings, loan‑originations, or other performance metrics. Because those numbers aren’t included in the excerpt you provided, we can’t directly calculate or compare Upstart’s Q2 profitability or growth rates to those of its peers in the AI‑driven lending space.

What We Can (and Cannot) Infer from the Provided News

Because the article does not disclose any of the quantitative data needed, we cannot compute:

• Profitability ratios (e.g., net profit margin, operating margin, return on assets) for Upstart in Q2 2025.
• Growth rates (e.g., revenue growth, loan‑portfolio growth, customer‑base growth) for the same period.
• Direct comparison to competitors’ profitability or growth metrics.

How You Would Typically Compare Upstart to Its AI‑Lending Peers

To give you an idea of what a full comparison would look like, here’s the framework you would apply once the actual numbers are available.

1. Identify the core metrics

2. Typical competitors in the “AI‑lending” niche

3. Example of a comparative table (once data are available)

4. What the analysis would reveal

• Profitability: If Upstart’s net profit margin were, say, 4% versus LendingClub’s 2.5% and SoFi’s 3%, Upstart would be more profitable despite similar revenue growth.
• Growth Rate: If Upstart’s loan‑originations grew 22% YoY while peers grew 12‑15%, it would demonstrate faster market capture.
• Efficiency: A lower cost‑to‑acquire‑customer (CAC) or a higher NIM would indicate that Upstart’s AI models are more efficient at pricing risk.
• Risk‑adjusted performance: Comparing loss ratios would show whether rapid growth is coming at the expense of higher credit losses.

Next Steps for a Precise Answer

1. Obtain Upstart’s Q2 2025 earnings release (full press‑release or SEC Form 10‑Q). These documents contain the exact financial numbers you need.
2. Pull comparable metrics from the latest quarterly filings of the peers (LendingClub, SoFi, etc.). Publicly‑traded peers file 10‑Q/10‑K, and Amex provides Kabbage data in its loan‑portfolio disclosures.
3. Normalize the numbers (e.g., per‑loan‑originated basis, same fiscal‑quarter dates) to ensure a like‑for‑like comparison.
4. Calculate ratios (profit margin, loan‑book growth, NIM, loss ratio, CAC) and build a comparative table.
5. Interpret: Highlight where Upstart leads (e.g., higher AI‑driven underwriting efficiency) and where it lags (e.g., higher credit‑loss provisions).

Bottom‑Line Summary

• Based on the provided news snippet, we don’t have the quantitative data needed to assess Upstart’s Q2 2025 profitability or growth rates.
  
• Thus, a direct comparison with its AI‑lending competitors cannot be performed without those numbers.
  
• When the full earnings release is available, you can apply the framework above to calculate and compare Upstart’s performance to peers such as LendingClub, SoFi, and Kabbage/American Express.
  

If you can share the full earnings release or the specific financial figures, I’ll gladly run the numbers and provide a side‑by‑side comparative analysis.