UPST earnings & options Upstart Holdings, Inc.
Next reportNov 03, 2026
EPS estimate0.60
Options-implied moveThe size of the up-or-down move the options market is pricing for a stock by a given date, read from option prices (the at-the-money straddle). It is a market-implied estimate, not a forecast.
recorded at the close before the report
Hist. avg |reaction|24.7%
Median24.8%
Largest59.9%
Implied vs actual, past reports
Definitions →Solid bars: the actual two-session reaction around each report (signed value printed below). Amber outlines: the move options priced beforehand — recorded from August 2026 onward, so older reports show the actual only.
implied (when recorded)actual reaction
Report-by-report record
| Report date | EPS act / est | Revenue act / est | Reaction | Implied | IV30 before → after |
|---|---|---|---|---|---|
| Aug 04, 2026 | 0.16 / 0.18 | 364.71M / 354.74M | +2.6% | not recorded | — |
| May 05, 2026 | -0.07 / 0.39 | 308.21M / 301.30M | -10.5% | not recorded | — |
| Feb 10, 2026 | 0.46 / 0.47 | 296.09M / 288.47M | -14.8% | not recorded | — |
| Nov 04, 2025 | 0.52 / 0.42 | 285.90M / 288.58M | -12.2% | not recorded | — |
| Aug 05, 2025 | 0.36 / 0.27 | 257.29M / 281.02M | -18.9% | not recorded | — |
| May 06, 2025 | 0.30 / 0.19 | 220.39M / 201.26M | -10.7% | not recorded | — |
| Feb 11, 2025 | 0.26 / -0.04 | 211.27M / 181.92M | +25.1% | not recorded | — |
| Nov 07, 2024 | -0.06 / -0.15 | 162.14M / 149.32M | +50.1% | not recorded | — |
| Aug 06, 2024 | -0.17 / -0.39 | 127.63M / 124.54M | +39.8% | not recorded | — |
| May 07, 2024 | -0.31 / -0.38 | 127.79M / 124.87M | -10.3% | not recorded | — |
| Feb 13, 2024 | -0.11 / -0.15 | 134.87M / 134.89M | -25.4% | not recorded | — |
| Nov 07, 2023 | -0.05 / -0.02 | 134.56M / 140.27M | -27.0% | not recorded | — |
| Aug 08, 2023 | 0.06 / -0.06 | 135.77M / 135.29M | -34.5% | not recorded | — |
| May 09, 2023 | -0.47 / -0.82 | 102.93M / 108.96M | +41.8% | not recorded | — |
| Feb 14, 2023 | -0.25 / -0.48 | 142.23M / 133.61M | +34.2% | not recorded | — |
| Nov 08, 2022 | -0.24 / -0.07 | 157.23M / 169.44M | -8.4% | not recorded | — |
Reaction = close before the report date to the close of the session after it (report timing is not published by the source; this two-session window contains the reaction either way). Implied moves are recorded live before each report from August 2026 onward — never reconstructed. Earnings data: Financial Modeling Prep.