Quarterly · Earnings Season

Earnings Decoded

2 editions published · AI-parsed summaries of earnings calls from major US consumer lenders
Latest edition

Q4 2025 Earnings Decoded: AI goes institutional, the bank charter race heats up, and every major lender guides for double-digit growth

Seven consumer lenders. One dominant theme: AI is no longer a differentiator — it’s core infrastructure. Plus the bank charter race, traditional bank pullback, and what management across the board is signalling for 2026.

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Past editions
Upstart Q4 2025: Record revenue, return to profit, and a leadership transition
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