The latest data point for UPST's Operation Income in Q4'25 shows a positive figure of $18.92M USD, marking continued profitability after turning positive in Q2'25. This represents a significant improvement from the deep losses observed in earlier periods, with the company achieving its highest quarterly income in the dataset. Over the period from Q1'23 to Q4'25, Operation Income exhibited a clear upward trend, transitioning from substantial losses peaking at -$131.84M USD in Q1'23 to consistent gains by late 2025, with notable inflection points including reduced losses in Q4'24 (-$4.75M USD) and the first positive quarter in Q2'25 ($4.54M USD). Year-over-year growth accelerated dramatically, reaching 498% in Q4'25, reflecting improved operational efficiency and scaling, though early quarters showed volatility with mixed YoY changes between -66% and +49%. The bar chart visualization underscores this recovery trajectory, highlighting UPST's path toward sustained profitability in a quarterly timeframe.