# Upstart Holdings, Inc. (UPST) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from Upstart Holdings, Inc.'s 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/UPST/mda/fy2025/): filed 2026-02-10; accession 0001647639-26-000027 (https://www.sec.gov/Archives/edgar/data/1647639/000164763926000027/upst-20251231.htm); latest 10-K
- [FY 2024 MD&A](/company/UPST/mda/fy2024/): filed 2025-02-14; accession 0001647639-25-000018 (https://www.sec.gov/Archives/edgar/data/1647639/000164763925000018/upst-20241231.htm)
- [FY 2023 MD&A](/company/UPST/mda/fy2023/): filed 2024-02-15; accession 0001647639-24-000009 (https://www.sec.gov/Archives/edgar/data/1647639/000164763924000009/upst-20231231.htm)
- [FY 2022 MD&A](/company/UPST/mda/fy2022/): filed 2023-02-16; accession 0001647639-23-000021 (https://www.sec.gov/Archives/edgar/data/1647639/000164763923000021/upst-20221231.htm)
- [FY 2021 MD&A](/company/UPST/mda/fy2021/): filed 2022-02-18; accession 0001647639-22-000009 (https://www.sec.gov/Archives/edgar/data/1647639/000164763922000009/upst-20211231.htm)

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