The latest data point for UPST's EPS in Q4'25 shows a positive value of 0.19 USD, marking continued profitability after the company achieved its first positive EPS of 0.06 USD in Q2'25. This represents a modest quarter-over-quarter increase from Q3'25's 0.33 USD, signaling sustained improvement in earnings amid ongoing operational efficiencies. Over the period from Q1'23 to Q4'25, UPST's EPS has exhibited a clear upward trend, transitioning from deep losses of -1.58 USD in Q1'23 to consistent positives by mid-2025, with notable inflection points including a sharp recovery in Q3'24 (-0.07 USD) and accelerating growth thereafter. Year-over-year EPS growth has been volatile but overwhelmingly positive since Q3'23, peaking at 10.5% in Q4'25, driven by a 5.71x surge in Q3'25 that underscores robust margin expansion and revenue scaling in the fintech sector. Overall, the bar chart highlights a shift from decline to stability and growth, positioning UPST for potential long-term profitability.