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

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Earnings data Q4 2021

Earnings data Q1 2022

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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.

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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

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Upstart posted second-quarter earnings this week. The results were better than expected, but some issues emerged that likely sparked the sell-off.

Why Upstart Stock Plummeted 45% This Week

Investors continue to rush into AI's potential trillion-dollar opportunity, but some caution is due as some AI stocks over-inflate amidst competition from tech giants. Indeed, the valuations of many AI stocks now carry prices in years and years of growth.

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A challenging macro environment continues to pressure Upstart. Guidance for the third quarter was worse than expected.

Upstart Stock Just Tanked. Should You Buy the Dip?

Upstart's second-quarter results showed solid progress, compared to the first quarter. Loan volumes and revenue are still deeply depressed, and the company continues to lose money.

2 Reasons to Sell Upstart Stock Right Now

While the top- and bottom-line numbers for Upstart Holdings, Inc. (UPST) give a sense of how the business performed in the quarter ended June 2023, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Upstart Holdings, Inc. (UPST) Reports Q2 Earnings: What Key Metrics Have to Say

Upstart Holdings Inc. ( UPST , Financial), an artificial intelligence lending platform, shot to fame soon after its initial public offering as investors rewarded its disruptive business model that threatens the practices of traditional banks and financial services companies.

Upstart Holdings: Volatility Creates Opportunity

Though Upstart's revenue fell 40% year over year in the second quarter, its results were technically better than expected. Management notes the company is well positioned to benefit "when we return to a normalized economy.

Why Upstart Holdings Stock Plummeted Today

Upstart Holdings Inc. has capitalized on Wall Street's artificial-intelligence fervor this year, but it can't shake a sluggish lending market.

Upstart's stock collapses toward its worst day in over a year. Why Wall Street is spooked.

The AI-driven lending company says for the third quarter it expects $140 million in revenue and $5 million in adjusted Ebitda, missing Wall Street expectations.

Upstart Stock Tumbles. Tighter Lending Standards Hit Its Growth.

Upstart Holdings, Inc. (UPST) came out with quarterly earnings of $0.06 per share, beating the Zacks Consensus Estimate of a loss of $0.06 per share. This compares to earnings of $0.01 per share a year ago.

Upstart Holdings, Inc. (UPST) Q2 Earnings and Revenues Surpass Estimates

Upstart Holdings, Inc. (NASDAQ:UPST ) Q2 2023 Earnings Conference Call August 8, 2023 4:30 PM ET Company Participants Jason Schmidt - Vice President of Investor Relations Dave Girouard - Chief Executive Officer Sanjay Datta - Chief Financial Officer Conference Call Participants Simon Clinch - Atlantic Equities Lance Jessurun - BTIG John Coffey - Barclays Rob Wildhack - Autonomous Research James Faucette - Morgan Stanley Reggie Smith - JPMorgan Giuliano Bologna - Compass Point David Scharf - JMP Securities Vincent Caintic - Stephens Operator Good day, and welcome to the Upstart Second Quarter 2023 Earnings Call. Today's conference is being recorded.

Upstart Holdings, Inc. (UPST) Q2 2023 Earnings Call Transcript

Shares of Upstart Holdings Inc. sank in after-hours trading Tuesday after the lending company fell short of Wall Street's expectations with its revenue and earnings forecasts for the current quarter.

Upstart's stock plunges after earnings as forecast comes in light

Investors clearly weren't impressed with the fintech's second-quarter results. This, despite the fact that Upstart beat on both the top and bottom lines.

Why Upstart Holdings Stock Stalled Today

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Second Quarter 2023 Results.

Upstart Announces Second Quarter 2023 Results

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Goldman Sachs has released a list of four short squeeze stocks that it believes could see a major rally when they release earnings reports for Q2 2023. Goldman Sachs highlights four stocks that a highly shorted as having potential for a squeeze when they drop their upcoming earnings report.

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Upstart Holdings Inc.'s controversial stock will be put to the test Tuesday afternoon when the company posts earnings.

Upstart earnings: What to expect from the AI lender

Upstart (NASDAQ: UPST) stock price has been punched in the face in the past two days as investors reposition for the upcoming earnings. The shares plunged by more than 14% on Monday, adding to Friday's 7% decline.

Upstart stock price forecast: Prediction ahead of Q2 earnings

Morgan Stanley urged investors to fade the rally in Upstart stock. Upstart is up roughly 300% after the past three months, mostly on momentum.

Why Upstart Stock Was Tumbling Today

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Earnings Previews: AMC, Lyft, Marathon Digital, Rivian, Upstart

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Lucid Group

A short squeeze happens when traders who heavily short a stock start to cover their short positions by buying back the stock. This increases demand for the company shares, thus increasing the price and forcing other short sellers to cover their positions.

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Another wave of loan defaults could prompt lenders to rethink how they determine creditworthiness. Upstart has an alternative ready to offer them.

A Bull Market Could Be Here: 3 Stocks Just Waiting to Soar

Upstart deploys AI to assess the creditworthiness of a potential borrower. The Federal Reserve is partially to blame for Upstart's previous stock woes.

This AI Stock Is Up Over 400% Since May -- Is It Too Late to Buy?

Upstart has rocketed higher on interest in artificial intelligence and signs of an economic recovery. The stock is likely to move on next week's earnings report.

News for Upstart Holdings Stock (UPST)