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

AMC Entertainment

BARK

Nikola

Opendoor

Peloton

Workiva

Small-cap stocks are a perennial favorite among retail investors. On average, small-cap stocks (as a category) outperform the overall market over a long enough period.

Ticking Time Bombs: 7 Small-Cap Stocks to Dump Before the Damage Is Done

iShares 20+ Year Treasury Bond ETF

We're all too familiar with this month's catchphrase – “higher for longer.” The Fed's promise to keep rates up through (potentially) 2026 spooked investors, and markets reacted accordingly.

3 Stocks Hit Hardest by the Fed's ‘Higher for Longer' Stance

Upstart stock has lost over 90% of its value from the peak. It's still not cheap based on the value of its assets or sales.

Upstart Isn't the Bargain You Might Think

SoFi Technologies

Upstart has struggled as interest rates soar. SoFi is benefiting and rapidly picking up members.

Better Stock Buy: Upstart or SoFi Technologies?

Apple

Student loan repayments are rearing their ugly heads as borrowers prepare to start paying them back next week. After three years of blissful reprieve, borrowers are set to begin dedicating cash towards their burdensome debt loads.

Caution! 3 Stocks That Could Get Rocked as Student Loan Payments Restart.

Redfin

Macroeconomic uncertainty is hurting both of these growth stocks.

Better Growth Stock: Upstart vs. Redfin

C3.ai

NVIDIA

Technology stocks have made a strong comeback in 2023. For year-to-date, the Standards and Practices (S&P) 500 Information Technology index has surged by 33%.

Betting Big: 3 AI Stocks Primed for a Breakout

Upstart still has disruptive potential from its AI-based screening technology. Higher interest rates have been a pure negative for the company, and the short-term risks are still abundant.

Upstart Stock: Bull vs. Bear

CHUBBUCK, Idaho & SAN MATEO, Calif.--(BUSINESS WIRE)--Idaho Central Credit Union Selects Upstart for Personal Lending.

Idaho Central Credit Union Selects Upstart for Personal Lending

The growth-stock-heavy Nasdaq Composite index collapsed 33% in 2022. Waning enthusiasm for growth stocks in a higher interest rate environment is creating bargain opportunities for patient investors.

2 Exceptional Growth Stocks You'll Wish You'd Bought in the Wake of the Nasdaq Bear Market Dip

Veritone

It's been hard to go wrong with artificial intelligence stocks this year. A surprise 2023 stock market rally and Nvidia's (NASDAQ: NVDA ) jaw-dropping earnings results created a boom for many stocks.

Beware! 3 AI Stocks Waving Massive Red Flags Right Now

Upstart has shown impressive adjustments in its cost structure, leading to improved profitability despite declines in loan originations and revenue. UPST stock has experienced volatility but is still reasonably valued, making it a potential buy for investors willing to take risks. As loan originations slowed, the company has increased the percentage of fully automated loans as well as increased unit-level margins.

Upstart: Not Just A Meme Stock, The Stars Are Beginning To Align

Lemonade

Investors can expose their stock portfolios to artificial intelligence (AI) in a few different ways. Some of the smaller companies developing the technology could deliver the most upside, but they also carry the most risk.

3 AI Stocks Down 82% to 92% With Explosive Upside Potential: Is Now the Time to Buy?

Signs of an economic recovery seem to be stalling. Valuations among artificial intelligence (AI) stocks have expanded with little in fundamental changes.

AI Stocks Have Struggled Lately -- How Long Will the Slide Last?

Upstart, a FinTech start-up, has faced challenges due to high interest rates and investor skepticism, leading to a decline in its valuation and key metrics. The company's AI-lending platform saw success during the pandemic but struggled as interest rates rose, impacting demand for personal loan originations. Despite the decline, Upstart still has potential with banks/credit unions and is expecting a stabilization of its revenue base in the third fiscal quarter, which could lead to a revaluation.

Upstart: This Is A Great Time To Load Up The Truck

Upstart aims to make credit more accessible to people through its AI-powered lending models. Its stock has experienced turbulence in recent years as demand for personal loans has fluctuated wildly.

The Biggest Number From Upstart's Latest Quarter: 87%

I'm enthusiastically bullish on SoFi Technologies (NASDAQ: SOFI ) stock because the company is both a legitimate bank and a modern financial-sector pioneer. Yet, SoFi Technologies isn't the only fintech firm you should consider in 2023.

Top Fintech Stock Picks: The AI-Driven Duo You Can't Ignore in 2023

Advanced Micro Devices

Artificial intelligence took center stage in late 2022 with the release of ChatGPT and similar apps, sparking a surge in AI-related stocks. AI ETFs have outperformed the Standards and Practices (S&P) 500 this year, with RBOT up 24% while SPY was up 18% by mid-year.

3 AI Stocks to Invest in by 2024 for a 5-Year Hold

Palantir Technologies

Palantir and Upstart are capitalizing on the rising effectiveness of artificial intelligence.

Best Artificial Intelligence (AI) Stock to Buy: Palantir Stock vs. Upstart Stock

Groupon

Traders and speculators often short a stock by borrowing a certain number of shares from a financial institution and selling it on the market with the goal to buy it back cheaper and profit from the difference.

Short squeeze alert for September 11th: Two stocks with the potential to soar

AI is at the heart of Upstart's lending platform. Upstart's valuation is attractive, especially given its market opportunity.

3 Reasons to Buy Upstart, and 1 Reason to Sell

Pinterest

The lending and advertising markets have been hit hard by turbulent macroeconomic conditions. Upstart is seeing progress with its financials, which have had to contend with ongoing headwinds in the lending space.

Got $1,000? 2 Monster Stocks to Buy Before the Next Bull Market

You might be familiar with the term “hyper growth stocks,” often associated with major large-cap technology companies. While these firms certainly have a significant impact on the market, growth stocks aren't limited to this pocket of the market.

Hold On! 3 Hyper Growth Stocks That May Get a Second Wind

SOMERVILLE, Mass. & SAN MATEO, Calif.--(BUSINESS WIRE)--Naveo Credit Union Selects Upstart for Personal Lending.

Naveo Credit Union Selects Upstart for Personal Lending

Upstart's technology is a proven upgrade over a FICO model. The Federal Reserve is responsible for Upstart's business downturn.

News for Upstart Holdings Stock (UPST)