Upstart Holdings (NasdaqGS:UPST) Q3 2025 Earnings Call November 04, 2025 04:30 PM ET Company ParticipantsJohn Hecht - Managing DirectorDave Girouard - CEOSanjay Datta - CFOPeter Christiansen - Director of Payments, Processors, and IT Services Equity ResearchSonya Banerjee - Head of Investor RelationsPaul Gu - CTOReggie Smith - Executive Director of Equity ResearchConference Call ParticipantsMihir Bhatia - Director and Senior Equity Research AnalystRobert Wildhack - Director and Equity Research Analyst of Co ...