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.

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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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Cost of revenue

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Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

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Change in working capital

Cash from investing

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Purchase/sale of investments

Purchase/sale of business

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Boeing

Lucid Group

Eli Lilly

Opendoor

Plug Power

Cassava Sciences Inc

With investors moving back towards a “risk-on” stance in recent months, you may think that risky stocks could lead to outsized rewards this year. Yet while more favorable economic and market conditions could extend the current bull market (which started in October) well into 2024, an improving macro picture may not be enough for stocks that have large company-specific risks.

Portfolio Protection: 7 Risky Stocks to Drop Right Now

Higher interest rates have created a worst-case scenario for Upstart. PayPal's revenue and payment volume continues to rise amid macro uncertainty.

Forget Upstart: Buy This Magnificent Fintech Stock Instead

Upstart recouped some of 2022's losses, but the underlying business still looks weak. Hopes for interest rate cuts and a short squeeze boosted the stock.

Why Upstart Stock Soared 209% in 2023

HAMPDEN, Maine & SAN MATEO, Calif.--(BUSINESS WIRE)--Maine Savings Selects Upstart for Personal Lending.

Maine Savings Selects Upstart for Personal Lending

The latest trading day saw Upstart Holdings, Inc. (UPST) settling at $34.86, representing a -1.91% change from its previous close.

Why Upstart Holdings, Inc. (UPST) Dipped More Than Broader Market Today

Palantir Technologies

Best AI Stock 2024: Palantir Stock vs. Upstart Stock

Digital Realty Trust

Lemonade

Upstart and Lemonade are up-and-coming companies that leverage AI models to assess risk. Digital Realty provides the infrastructure for companies developing AI applications.

3 AI Stocks With Tremendous Potential to Be Big Winners Over the Next Decade

Upstart stock rose in December under the assumption that interest rates would fall in 2024. The stock is falling now that those assumptions are being questioned.

Why Upstart Stock Jumped 53% in December

C3.ai

Beyond Meat

Fisker Inc

American stocks had a great performance in 2023 as the Nasdaq 100 index jumped by more than 55%. The blue-chip S&P 500 index rose by over 22%, making it one of its best years in a long time.

Most shorted US stocks in 2024: FSR, UPST, BYND, LMND, AI

After experiencing incredible growth in the pandemic, times for Upstart have been tough lately, with revenues plummeting and earnings turning negative. While the business is now in the process of stabilizing and despite the share price experiencing positive momentum, Upstart's operative performance was clearly inferior to most of its competitors. In my view, Upstart has developed a great technology and amid interest rates having probably reached the initial phase of a downward cycle, the stock is a BUY at setbacks.

Upstart: Great Technology, But Having A Cautious Eye On Valuation

Investors couldn't get enough of artificial intelligence (AI) stocks in 2023. Industry leaders like Microsoft and Amazon were among the most popular names.

2 Unstoppable Artificial Intelligence (AI) Stocks Up 159% and 217% in 2023 to Buy in 2024

Biomea Fusion Inc

Carvana

Novavax

B. Riley Financial

Trupanion

Frontier Group Holdings

The number of shorted shares has grown 23% since the end of 2020, but that doesn't mean traders are getting more bearish about the market.

Short Sellers Think These Stocks Will Tank in 2024. Investors Can Bet Otherwise.

Microsoft

Uber

As we near the year's end, the technology sector is concluding on an impressive note, having recently reached new all-time highs. The tech sector has taken the lead throughout the year, outpacing the broader market significantly.

3 tech stocks on the verge of major breakouts

Affirm

As the overall market edges closer to its all-time high, with the SPDR S&P 500 ETF Trust NYSE: SPY trading at its 52-week high, highly shorted, previously beaten-down stocks have been a significant theme and area of focus for investors and traders.

Will these 3 heavily shorted stocks keep squeezing?

Despite weak fundamentals, Upstart's stock has more than tripled in 2023. Revenue is declining, and Upstart continues to lose money.

If I'd Bought $1,000 Worth of Upstart Stock at the Start of 2023, Here's How Much I Would Have Today

Upstart's platform has found product-market fit by increasing accessibility to credit for borrowers. Management is focused on penetrating a huge market opportunity.

Can Upstart Become a Trillion-Dollar Company by 2050?

Upstart's Q3 2023 financial results show a drop in total revenue but improved operating efficiency and contribution margins. The company reported a decline in lending activity and conversion rates, indicating market challenges or increased competition. Upstart's stock price is in a consolidation phase at lower levels, potentially forming a bottom and suggesting future growth opportunities.

Upstart: Forming The Bottom

Upstart uses artificial intelligence (AI) to make lending decisions.

Upstart Stock Analysis: Buy, Sell, or Hold for 2024?

Nikola

You should never buy or sell a stock simply because the share price has gone up or down. The price tells you nothing about the business.

3 Obvious Stocks to Dump Before the End of 2023

Upstart stock is up about 260% this year but still is down 88% from its all-time highs. The company has declining revenue and negative profit margins.

Upstart Stock Soared 260% in 2023: Will 2024 Deliver the Same?

Coinbase

DoorDash

Paycom Software

Rivian Automotive

Growth stocks certainly have legs at the moment and it's fair to assume that there will be a surge of investment heading into 2024. Demand should be expected to rise as the Federal Reserve continues to signal that the worst is over.

7 Growth Stocks to Avoid No Matter What

SoFi Technologies

Robinhood

There's no denying that the past few years have been difficult for fintech stocks. Rising interest rates have made both stocks and loans less attractive.

SOFI, COIN, HOOD, UPST, or AFRM: Who's Winning the Fintech Stocks Race?

UiPath

Super Micro Computer

Super Micro excels by effectively combining hardware and software. The UiPath community helps it stand out above its competitors.

3 Artificial Intelligence Stocks That Could Be Millionaire-Makers

Block

A seismic shift is underway for fintech stocks as three financial juggernauts emerge as the vanguards of fintech innovation, setting the stage for a transformative 2024. These titans wield disruptive strategies that promise to reshape the landscape of consumer finance and transaction processing.

Financial Gamechangers: 3 FinTech Stocks Set to Dominate 2024

Upstart's AI lending platform increases accessibility to credit for borrowers. Upstart's management team believes the total addressable market is huge.

News for Upstart Holdings Stock (UPST)