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

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Margins

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

Sales and marketing

Customer operations

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Year over year growth in Revenue and Operating Expenses.

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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 Q1 2021

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Upstart Holdings reports resilient Q4 performance and eyes profitability

Upstart Holdings navigated challenges in 2022, focusing on model accuracy, automation, and growth. The company aims to return to profitability, stabilize the UMI metric, and secure funding partnerships in 2023. Opportunities include expanding into secured products and enhancing conversations with funding partners through AI technology.

Upstart reports solid Q1 results, eyes growth through innovation

Upstart's Q1 2023 performance showed strong revenue but with a net loss and negative EBITDA.
The company is focused on innovation, cost reduction, and expanding its product offerings.
Challenges in funding markets and concerns about margins and loan volumes were highlighted.
Opportunities lie in platform expansion, new product launches, and optimizing costs for profitability.

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.

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Beyond Meat

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Even though the Fed's interest rate hikes flushed a lot of losers out of the market since 2022, a handful of stocks to short remain, against all odds. These three companies are pure products of ZIRP-era enthusiasm, and though each trades well below pandemic period highs, they're still grossly overvalued.

The 3 Best Stocks to Short This Week: March 5th, 2024

Affirm

PayPal

Upstart's growth will accelerate again as interest rates stabilize. Affirm still has a shot at disrupting traditional credit card companies.

2 Fintech Stocks to Buy Hand Over Fist and 1 to Avoid

Upstart continues to struggle as interest rates remain elevated. If this innovative company steadily increases revenue while producing consistent profit, the shares will skyrocket.

Here's How This Beaten-Down Artificial Intelligence Stock Could Turn $1,000 Into $10,000

Artificial intelligence drove substantial gains in a number of stocks over the past year. However, any AI potential must be supported by a growing business in order for those gains to stick.

The 93% Plunge in This Stock Proves Artificial Intelligence (AI) Doesn't Guarantee Positive Returns for Investors

Upstart's latest results show that the business continues to struggle amid higher interest rates. Management deserves credit for developing an innovative AI-powered lending platform.

Is Upstart a Millionaire Maker?

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Delivers Reservation and Deposit System for New Kia EV9 SUV.

Upstart Delivers Reservation and Deposit System for New Kia EV9 SUV

Upstart beat expectations in the 2023 fourth quarter, but its forecast was underwhelming. The online lender is gaining credit partners and launching new products.

Is Upstart Finally Turning Around?

Upstart has struggled in a high interest rate environment. Its HELOC product has been slow to gain traction.

3 Things You Need to Know if You Own Upstart Stock Today

Upstart's AI and potential market opportunity could create huge returns. But it must first fix the fundamental flaws in the business.

Is Upstart Holdings a Millionaire Maker?

Upstart disclosed its latest quarterly earnings, sending the stock price crashing.

Upstart Stock: Buy the Dip?

Upstart beat estimates in its fourth-quarter earnings report, but offered weak guidance. Originations and interest from lenders have cooled.

Is Upstart About to Solve Its Biggest Problem?

Upstart posted a lower-than-expected loss in Q4, but sales missed the market's expectations. The company's first quarter targets to relatively underwhelming business improvements.

Why Upstart Stock Is Plummeting This Week

Upstart stock is down more than 90% from its peak, but the valuation still looks overly optimistic. The company's turnaround has been painfully slow, and even with vast layoffs and cost cuts, losses are piling up.

This AI Stock Is Down More Than 90%. It's Still Not a Buy.

Upstart is still struggling amid high interest rates. The company beat estimates in the fourth quarter, but its first-quarter guidance was well below the mark.

Why Upstart Stock Fell Sharply Today

Upstart Holdings, Inc. (NASDAQ: UPST), a prominent player in the artificial intelligence (AI) lending marketplace, faced a significant downturn in its stock price, plummeting by 16% following the release of its first-quarter revenue and earnings forecast.

Upstart stock plunges 16% on revenue and EBITDA forecast miss, where's it headed?

Chief Financial Officer Sanjay Datta says rising delinquencies have started to make their way to more affluent borrowers.

Upstart's Outlook Was a ‘Shock.' The Stock Sinks.

Upstart Holdings, Inc. (UPST) Q4 2023 Earnings Call Transcript

Although the revenue and EPS for Upstart Holdings, Inc. (UPST) give a sense of how its business performed in the quarter ended December 2023, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Compared to Estimates, Upstart Holdings, Inc. (UPST) Q4 Earnings: A Look at Key Metrics

Upstart achieved an all-time high in its automated credit origination process in the fourth quarter. The artificial intelligence (AI) lending marketplace had 89% of its unsecured loans approved through an instant and fully automated process during the quarter ended Dec. 31, Upstart said in a presentation released Tuesday (Feb. 13) in conjunction with the company's quarterly earnings call.

Upstart Says Automated Credit Origination Process Draws ‘Best Borrowers'

Upstart Holdings, Inc. (UPST) came out with a quarterly loss of $0.11 per share versus the Zacks Consensus Estimate of a loss of $0.15. This compares to loss of $0.25 per share a year ago.

Upstart Holdings, Inc. (UPST) Reports Q4 Loss, Tops Revenue Estimates

Upstart Holdings Inc. whiffed with its outlook for the current quarter, even as it beat top-line expectations in the most recent one.

Upstart whiffs on earnings outlook while seeing ‘difficult lending environment'

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Fourth Quarter and Full Year 2023 Results.

Upstart Announces Fourth Quarter and Full Year 2023 Results

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The negative impact of tightening funding by banks and financial institutions in a challenging macroeconomic environment is likely to have hurt Upstart Holdings' (UPST) Q4 performance.

Upstart Holdings (UPST) to Report Q4 Earnings: What's in Store?

Beyond analysts' top -and-bottom-line estimates for Upstart Holdings, Inc. (UPST), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended December 2023.

News for Upstart Holdings Stock (UPST)