In Q4'25, UPST's net income reached $18.6M USD, marking a significant turnaround to profitability and the highest quarterly figure in the observed period from Q1'23 to Q4'25. The net income trend shows a clear progression from substantial losses peaking at -$129.3M USD in Q1'23 to consistent improvement, with quarterly figures narrowing to -$2.8M USD by Q4'24 before achieving positive results starting in Q2'25 at $5.6M USD. Year-over-year growth accelerated dramatically in the later quarters, surging to 776% in Q4'25, reflecting reduced losses and eventual profitability amid a volatile but ultimately upward trajectory in this bar and line chart visualization.