ATLASUpstart (UPST) earnings date: Nov 3, 2026
Upstart (UPST) reports earnings for the quarter ended Sep 30, 2026 on Tue, Nov 3, 2026, before the open. Analysts expect EPS of $0.23.
Source: company filings and exchange data · Updated Nov 2, 2026
ATLAS view on UPST
| Last price | $23.02 (-7.3%) |
|---|---|
| Normal 1-day range (±1σ) | ±3.8% |
| Earnings beat history | Beat the EPS estimate in 3 of the last 5 reports |
These figures come from the same calibrated model and valuation as the Upstart stock page. They describe an ordinary period, not the earnings reaction itself, which is usually wider and can go either way.
Upstart reports on Nov 3, 2026. One email the day before, with ATLAS’s read on Upstart. You can switch it off at any time.
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UPST earnings at a glance
| Next report (confirmed) | Tue, Nov 3, 2026 |
|---|---|
| Time | Before the open |
| Period | Quarter ended Sep 30, 2026 |
| EPS estimate | $0.23 |
| Last report | Aug 4, 2026 · Beat |
| Beat rate (last 5 reports) | 3 of 5 (60%) |
| Average EPS surprise | -10.3% |
| Average move around a report | ±6.7% (last 5) |
| Sector | Financial Services · Credit Services |
Upstart earnings history: last 5 reports
Upstart last reported on Aug 4, 2026: EPS of $0.57 against an estimate of $0.55 (+3.6% surprise), a beat.
| Report date | EPS est. | EPS actual | Surprise | Result | Move* |
|---|---|---|---|---|---|
| Aug 4, 2026 | $0.55 | $0.57 | +3.6% | Beat | +2.6% |
| May 5, 2026 | $0.43 | $0.30 | -30.2% | Miss | -10.5% |
| Apr 18, 2026 | $0.39 | $0.41 | +5.1% | Beat | -4.0% |
| Mar 9, 2026 | -$1.03 | -$1.43 | -38.8% | Miss | +1.4% |
| Feb 10, 2026 | $0.46 | $0.50 | +8.7% | Beat | -14.8% |
*Move: change in the closing price from the last close before the report day to the close the day after it, so it captures the reaction whether the company reported before the open or after the close.
Get the full ATLAS analysis for UPST
See the fair value, the probability range and the earnings history of Upstart on its ATLAS page.
Upstart (UPST) stock analysisPlans from €3.99 a month.
Upstart earnings: frequently asked questions
When does Upstart (UPST) report earnings?
Upstart is scheduled to report on Tuesday, November 3, 2026, before the open. ATLAS only shows a confirmed date when the company or the exchange data provides one; check the investor relations page for the call details.
What is the EPS estimate for UPST?
The consensus EPS estimate for the quarter ended Sep 30, 2026 is $0.23 per share (USD). Estimates can change before the report.
How often does UPST beat earnings estimates?
Of its last 5 reports with a recorded result, Upstart beat the EPS estimate 3 times; the average surprise was -10.3%. Past results do not predict the next one.
How much does UPST move around earnings?
Over its last 5 reports the stock moved an average of 6.7% (absolute, from the close before the report day to the close after it), and finished higher 2 of 5 times.
Did Upstart beat earnings estimates last quarter?
Upstart last reported on Aug 4, 2026: EPS of $0.57 against an estimate of $0.55 (+3.6% surprise), a beat.
How much does UPST usually move in a day?
On a normal trading day the ATLAS model puts UPST’s one-day range at about ±3.8%, with a 49% chance of closing higher. This is not an options-implied earnings move; earnings days are usually wider.
Also reporting on Tue, Nov 3, 2026
Educational information, not investment advice. Disclaimer