As of Q4'25, UPST reported a diluted EPS of 0.17 USD, marking its second consecutive quarter of positive earnings after a prolonged period of negative results. Year-over-year EPS growth for the latest quarter reached an impressive 950%, highlighting a significant turnaround in profitability. From Q1'23 to Q4'25, UPST’s diluted EPS showed a marked improvement, recovering from a low of -1.58 USD in Q1'23 to positive territory by Q2'25. The trend demonstrates a gradual reduction in losses throughout 2023 and 2024, followed by a sharp inflection into profitability in 2025. Notably, the EPS growth rate accelerated dramatically in the latter quarters, with YoY growth peaking at 950% in Q4'25, reflecting both operational improvements and a favorable comparison against prior-year losses.