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 Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

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

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.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

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

Airbnb

Intuitive Surgical

Intuitive Surgical relies on a proven model to drive its dominance of robotic surgery. Airbnb is recording unprecedented growth figures, helped by its asset-light approach.

3 Revolutionary Stocks I'd Buy Right Now Without Hesitation

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.

Ahead of Upstart Holdings, Inc. (UPST) Q4 Earnings: Get Ready With Wall Street Estimates for Key Metrics

Coinbase

Green Dot

Financial services companies are an essential sector for investors to seek exposure because they offer decent dividend yields and relatively stable returns. Despite this fact, this has led to this list of financial stocks to sell.

3 Sorry Financial Stocks to Sell in February While You Still Can

Palantir Technologies

Super Micro Computer

Palantir's new platform capitalizes on generative AI to add value for its customers. Supermicro's partnership with Nvidia is bringing new life to it in the data center space.

3 Artificial Intelligence (AI) Stocks That Could Help Make You a Millionaire

Upstart Holdings, Inc. (UPST) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Upstart Holdings, Inc. (UPST) May Report Negative Earnings: Know the Trend Ahead of Next Week's Release

Upstart has reported five consecutive quarters of declining revenue and is expecting another one. It's still launching new products and setting itself up to rebound under better conditions.

Why Upstart Stock Dropped 22% in January

Pinterest

Digital advertising and lending both represent massive, growing market opportunities. Pinterest is steadily growing its user base and making key changes to draw advertising.

2 Growth Stocks that Could Go Parabolic in 2024

Upstart Holdings, Inc. (UPST) closed at $32.70 in the latest trading session, marking a +1.24% move from the prior day.

Upstart Holdings, Inc. (UPST) Surpasses Market Returns: Some Facts Worth Knowing

In the latest trading session, Upstart Holdings, Inc. (UPST) closed at $32.30, marking a +1.7% move from the previous day.

Upstart Holdings, Inc. (UPST) Beats Stock Market Upswing: What Investors Need to Know

Upstart's Q4 2023 results anticipation sparks a contrast between bullish optimism and cautious scrutiny. The bullish outlook relies on stabilized fundamentals, projecting investor interest in Upstart's resurgence in six months. The bear case is Upstart's borrowing; if it exceeds $1.2 billion, I'll call it a day here.

Upstart's Upcoming Q4 Drama: Bullish Dreams And The Borrowing Blues

C3.ai

Investing in artificial intelligence stocks could grow your wealth exponentially in the long run.

Best AI Stocks 2024: Upstart Stock vs. C3.ai Stock

Upstart plans to expand its auto retail financing capability to another 13 states during the first quarter. The lending marketplace aims to reach 90% of U.S. consumers by the end of the quarter, up from the 70% coverage achieved in the third quarter of 2023, Upstart said in a Wednesday (Jan. 31) press release.

Upstart to Expand Vehicle Financing to Another 13 States

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart expands AI-powered vehicle financing nationwide, enhances auto retail platform.

Upstart Expands AI-Powered Vehicle Financing Nationwide

Upstart's focus on AI, coupled with the size of lending markets, results in great potential. More lending partners, new products, and an international push will expand the addressable market opportunity.

Where Will Upstart Be in 10 Years?

Jabil

UiPath

Three innovative tech stocks are emerging as game-changers in the sector, poised for a meteoric rise. The first stock has showcased financial resilience amid challenges in the consumer lending space, driven by its cutting-edge AI platform.

3 Game-Changing Tech Stocks Set for a Meteoric Rise

Lemonade

PROS Hlds

Rekor Systems Inc

Atlassian

With the latest wave of “AI mania” in full swing since November, you may not think that now is a time to be thinking about which AI stocks to sell, rather than which AI stocks to buy. But while adoption of generative AI and other artificial intelligence technology is rising rapidly, suggesting a trend not anywhere close to slowing down, don't assume that the current bubble among AI stocks is built on solid ground.

Bubble Trouble: 7 Stocks to Sell Before the AI Bubble Bursts

CVS Health

Tyson Foods

Tyson Foods drops CVS for startup PBM offering drug price transparency

Tyson Foods drops CVS for upstart pharmacy benefit manager, as industry upheaval over cost concerns spreads

Intuitive Surgical increasingly incorporates AI into the hardware and software tools that power its robotic systems. Upstart uses AI to drive better lending decisions, and a more favorable lending environment could turn its balance sheet around.

These 2 Magnificent Growth Stocks Are Worth Buying in 2024 and Holding Long Term

Affirm

Carvana

As the year came to a close in 2023, the market edged toward its all-time high, with the SPDR S&P 500 ETF Trust NYSE: SPY trading at its 52-week high. Previously beaten-down stocks with a high short interest were a significant area of focus for investors and traders as they surged higher in price.

Secondary squeeze: exploring 3 highly shorted stocks

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Report Fourth Quarter and Full Year 2023 Earnings on February 13, 2024.

Upstart to Report Fourth Quarter and Full Year 2023 Earnings on February 13, 2024

Toast

Toast is growing sales rapidly and delivering big margin improvements. Upstart looks well-positioned in an environment with falling interest rates.

2 Stocks Down 74% and 92% to Buy Right Now

After more than a decade of producing and financing movies and shows, Skydance Media's David Ellison eyes Paramount.

News for Upstart Holdings Stock (UPST)