Revenue segments as reported by the company.

Revenue from fees, net

Interest income and fair value adjustments, net

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Sales and marketing

Customer operations

Engineering and product development

General, administrative, and other

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Upstart Holdings

Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. Its platform aggregates consumer demand for loans and connects it to the company's network of artificial intelligence-enabled bank partners. The company was founded by David Joseph Girouard, Anna Mongayt Counselman and Paul Gu in December 2013 and is headquartered in San Mateo, CA.

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Earnings data Q1 2025

Earnings data Q2 2025

Earnings data Q3 2025

Earnings data Q4 2025

Earnings data Q1 2026

Earnings data Q2 2026

Upstart Holdings (UPST) reports robust Q2 performance amidst market challenges

Upstart Holdings (UPST) delivered a strong Q2 performance with growth in contribution margin, positive cash flow, and efficiency improvements. The company faces challenges in managing funding market cautiousness and adverse selection but has opportunities for growth through co-investments and model calibration.

Upstart Holdings reports positive EBITDA amidst challenging lending environment

Upstart faced challenges in a tough lending environment but maintained financial resilience.
The company showcased innovation with new product launches and strategic partnerships.
Despite revenue decline, Upstart's focus on efficiency and market expansion bodes well for future growth.
Management's commitment to improving loan pricing accuracy and exploring funding sources is key.

Upstart Holdings reports pivotal year in 2023, aims for EBITDA breakeven

Upstart Holdings discussed its Q4 2023 financial results, challenges faced, and future outlook during the earnings call. The company highlighted progress made in efficiency improvements, building a stronger Upstart, and financial performance metrics. Despite facing challenges like negative EBITDA and funding constraints, Upstart is focused on returning to EBITDA breakeven quickly and exploring new revenue streams.

Upstart Holdings excels in Q1 2024, eyes growth opportunities

Upstart Holdings delivered strong financial results in Q1 2024, showcasing growth in revenue, net revenue, and loan transactions. The company's focus on innovation, cost efficiency, and product diversification positions it well for future opportunities in the lending market. Challenges include managing loan pricing and addressing seasonality in loan demand.

Upstart Holdings reports strong Q2 performance and strategic growth outlook

Upstart Holdings demonstrated strong performance and strategic advancements in Q2 2024, positioning the company for sustained growth and profitability.
While facing challenges in expense management and competitive dynamics, Upstart's focus on innovation and funding partnerships presents opportunities for future expansion.
Overall, Upstart's emphasis on model improvements, funding strategies, and positive outlook underscores a promising trajectory in a conducive operating environment.

Upstart Holdings (UPST) excels in Q4 2024, eyes growth and profitability

Upstart Holdings (UPST) reported a robust Q4 2024 performance, demonstrating strong growth and strategic initiatives for future success. While facing challenges in underwriting and marketing, the company is well-positioned to capitalize on opportunities for innovation, profitability, and market expansion.

Upstart Holdings excels in Q1 2025, eyes AI leadership and profitability

Upstart Holdings' Q1 2025 showcased strong growth in platform originations, revenue, and adjusted EBITDA, driven by success in home and auto lending. The company's focus on innovation, credit performance, and achieving best rates for all borrowers positions it well for future growth and profitability.

Upstart Holdings reports stellar Q2 results, eyes continued growth

Upstart Holdings delivered outstanding financial results in Q2 2025, showcasing robust revenue growth and achieving positive GAAP net income. The company's strategic initiatives, including model enhancements and business expansions, have driven strong performance across various segments. Despite facing challenges related to funding transitions and market dynamics, Upstart Holdings remains well-positioned to capitalize on opportunities in AI, model advancements, and the scaling of newer products. With a focus on sustainable growth, the company is on track to meet revenue targets for the year.

Upstart Holdings reports robust Q3 performance and eyes continued growth

Upstart's Q3 performance reflects strong growth across key metrics, supported by effective risk management and product diversification. While challenges in conversion rates and operational scalability exist, opportunities in new product segments and partnerships signal future growth potential. Overall, Upstart remains confident in its AI-powered credit leadership, anticipating a strong finish to 2025 and a promising outlook for 2026.

Upstart Holdings reports robust Q4 performance and outlines growth strategies

Upstart Holdings' Q4 2025 earnings call highlighted strong financial performance, leadership evolution, and a strategic focus on AI-powered lending. The company's emphasis on growth, technology advancements, and cross-selling opportunities positions it well for future success.

Upstart Holdings reports robust Q1 growth and eyes market expansion

Upstart Holdings' Q1 performance reflects strong growth and a path towards profitability, despite some challenges in cost management and product mix uncertainties. The company's strategic strengths lie in its high-growth model, focus on core business, and financial stability through capital partnerships. Opportunities for Upstart include market expansion through regulatory advantages, product innovation, and diversification to drive sustained growth.

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Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. It operates through the following segments: Personal Lending, Auto Lending, and Other. The Personal Lending segment focuses on unsecured personal loans and small dollar loans. The Auto Lending segment is involved in auto refinance and auto retail loans. The Other segment refers to HELOCs and other. The company was founded by David Joseph Girouard, Anna Mongayt Counselman, and Paul Gu in December 2013 and is headquartered in San Mateo, CA.