As of Q4'25, UPST reported a revenue surprise of 0.77% and a year-over-year revenue growth of 35.22%. This marks a modest positive deviation from analyst expectations and continued revenue expansion into the latest quarter. From Q1'23 to Q4'25, the revenue surprise trend for UPST has been volatile, with several quarters of negative surprises, notably -8.44% in Q2'25, followed by a recovery to positive territory in Q4'25. Revenue growth showed a significant turnaround, shifting from steep declines in early 2023 (as low as -66.81% YoY in Q1'23) to robust positive growth, peaking at 101.59% YoY in Q2'25. The data indicates a period of recovery and acceleration in both revenue performance and expectations, especially throughout 2024 and into 2025.