As of Q4'25, UPST reported an EPS of 0.19 USD, marking a return to positive earnings after several quarters of negative results. The year-over-year EPS growth for this period reached an impressive 10.5%, indicating a significant turnaround compared to previous quarters. Over the period from Q1'23 to Q4'25, UPST's EPS showed a volatile but improving trend, moving from a low of -1.58 USD in Q1'23 to positive territory by Q2'25. The company experienced substantial EPS growth acceleration in the latter half of 2025, with YoY growth rates peaking at 5.71 in Q3'25 and 10.5 in Q4'25, reflecting a strong recovery and potential momentum heading into the next fiscal year.