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

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Operating Expenses

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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Cost of revenue

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Minority interest

Total liabilities & equity

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Book value per share

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Coinbase

Green Dot

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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.

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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

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

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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

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Atlassian

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CVS Health

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Intuitive Surgical

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.

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Affirm

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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.

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Upstart Holdings, Inc. (UPST) closed the most recent trading day at $31.14, moving +0.26% from the previous trading session.

Upstart Holdings, Inc. (UPST) Increases Yet Falls Behind Market: What Investors Need to Know

Teladoc

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Upstart uses artificial intelligence to inform lending decisions.

Where Will Upstart's Stock Price Be in 2024?

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A cyclical lending downturn is masking the long-tail growth set to come.

News for Upstart Holdings Stock (UPST)