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

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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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Net PPE

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Stockholders equity

Minority interest

Total liabilities & equity

Total debt

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Book value per share

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Upstartʻs stock price is up almost 150% year to date, but it has lost a considerable amount of value in the past month. The gains this week likely had to do with good economic news.

Why Upstart Stock Rose 8.9% This Week

The company touts a $4 trillion market opportunity, of which less than $6 billion will go through its platform this year. Upstart has increased its lending partner count tenfold since its IPO, a step toward taking a bigger piece of the lending pie.

Upstart's Exponential $4 Trillion AI Growth Potential Depends on This 1 Thing

When it reported second-quarter results on August 8, the company beat earnings and revenue views, as you can see on MarketBeat's Upstart Holdings earnings page.

Can Investors Wait Around For Upstart To Improve?

Upstart Holdings suffered a steep decline after their Q2 '23 earnings, which has only gained momentum since. The main reason: the Q3 outlook was marginally shy of consensus, and given the vertical ascent of the share this year that implicitly assumed raised guidance, profit-taking was rife. The article explains why the Q3 outlook is perfectly creditable. In fact, the company's near-term conservatism is rational in the face of increasing consumer stress.

Upstart: A Perfectly Creditable Outlook Perfectly Misunderstood By Market

Upstart is struggling in this climate of high interest rates. The automotive industry is embracing Upstart Auto Retail.

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Upstart offers an important use case, mixing AI and lending. Upstart's business has proven to be very cyclical.

1 Reason Upstart Stock Is a Screaming Buy, and 1 Reason to Avoid It Like the Plague

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Investors seeking potential opportunities often gravitate toward high-growth areas of the market. Of late, AI stocks, or companies that are involved in developing the front-end artificial intelligence solutions, or service the back-end technical aspects of this sector, have taken off.

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Upstart Holdings' stock price has crashed by more than half after 2Q-23 earnings, falling from over $70 to $32. The drop in stock price suggests an overreaction to the fintech's recent financial results, as its business is expected to bounce back in a low-rate environment. Upstart Holdings is active in a highly attractive market with potential for penetration in ancillary markets such as auto, homes, and small businesses.

Upstart Holdings: Price Plunge Creates Massive Opportunity (Technical Analysis)

Upstart brings loans with better terms to a broader population. The Federal Reserve rate better indicates Upstart's business status than anything else.

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Bargain Hunting for Artificial Intelligence (AI) Stocks: Down 56%, Upstart Might Be a Buy

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PayPal might have let lots of competitors creep onto its turf, but it's way too soon to call this powerhouse a has-been. It may still be losing money in droves, but it looks like insurer Lemonade is at a major inflection point.

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Upstart's lending technology can increase approval rates and keep defaults under control. Upstart has long been working on developing its AI models.

Can Upstart Become a Trillion-Dollar Stock by 2050?

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LOS ANGELES & SAN MATEO, Calif.--(BUSINESS WIRE)--Farmers Insurance Federal Credit Union Selects Upstart for Personal Lending.

Farmers Insurance Federal Credit Union Selects Upstart for Personal Lending

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Upstart's AI-driven model can approve more loans without increasing default risks. However, revenue has fallen sharply in the current high interest rate environment.

If You Have an Appetite for Risk, It Is Time to Feast on This Stock

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Upstart just reported its financial results for the second quarter of 2023 (ended June 30). The company delivered its first sequential revenue increase in more than a year, suggesting its business might be returning to growth.

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Upstart's Q2 earnings showed that macroeconomic challenges are still hurting its business. It could take several quarters to regain the confidence of lenders and loan buyers.

News for Upstart Holdings Stock (UPST)