Upstart (NasdaqGS:UPST) Q4 2025 Earnings call February 10, 2026 04:30 PM ET Company ParticipantsArvind Ramnani - Managing DirectorChelsea Williams - Investor RelationsDave Girouard - Co-founder and CEODavid Scharf - Managing DirectorJames Faucette - Managing DirectorJohn Hecht - Managing DirectorKyle Joseph - Managing DirectorKyle Peterson - Equity Research Managing DirectorPaul Gu - Co-founder and CTOPeter Christiansen - DirectorReggie Smith - Equity Research Executive DirectorRob Wildhack - Director of Eq ...