The latest data point for UPST's diluted EPS in Q4'25 shows a positive value of 0.17 USD, marking continued profitability after the company first achieved breakeven in Q2'25 at 0.05 USD. This represents a modest quarter-over-quarter increase from Q3'25's 0.23 USD, indicating sustained improvement in earnings per share amid ongoing operational efficiencies. Over the period from Q1'23 to Q4'25, UPST's diluted EPS exhibited a clear upward trajectory from deep losses of -1.58 USD in Q1'23 to consistent positives by late 2025, with a notable inflection point in Q3'24 when losses narrowed sharply to -0.07 USD from -0.62 USD in Q2'24. Year-over-year EPS growth accelerated dramatically, reaching 9.5% in Q4'25 after peaking at 4.29% in Q3'25, reflecting robust recovery and expansion in the company's lending platform despite earlier volatility in 2024. The bar chart visualization underscores this shift from negative to positive territory, highlighting UPST's path toward financial stability.