Exhibit 99.1 Financial Outlook Beginning in 2026, Upstart intends to provide annual financial guidance and discontinue issuing quarterly guidance, reflecting the company's long-term focus and evolving disclosure framework. Upstart is also providing financial guidance for the 2025-2028 period. Beginning in the fourth quarter of 2025, we revised the definition and underlying calculation methodology of Conversion Rate. Prior period figures have been recast to conform to the new definition and methodology. For ...