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

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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

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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.

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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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Upstart's financial performance is on the rebound. The company agreed to sell up to $4 billion in loans to Castlelake.

Why Upstart Stock Soared 96% in May

Cloud-based artificial intelligence (AI) lending platform Upstart Holdings Inc. NASDAQ: UPST stock has shot up over 125% in the last month, driven by the AI momentum and 36% short interest. Its metrics were gloomy in its fiscal Q1 2023 earnings report compared to the year-ago period, but sentiment has been turning around as investors are convinced the worst is behind them.

Here's What Driving the 125% YTD Gains for Upstart Holdings Stock

Shopify

Some growth stocks are forging a new path following a volatile year of uncertainty. Shopify is slashing costs and is profitable again, but the long-term picture looks even more promising.

2 Remarkable Growth Stocks Up 68% and 123% This Year That Are Ready for a Bull Run

Upstart's stock is up 129% in the last month. Can this run continue, and is there enough upside left to invest now? We look at the basics of the business model and what the problem is that made Upstart's stock crater. We analyze the earnings, look at the product line update and Upstart's guidance.

Is Upstart Stock A Buy Or Sell Now?

PayPal

Block

Fintech stocks have continued trading sideways since the selloffs in late 2021 and currently offer some of the best entry points in the market. Most growth stocks have rebounded substantially this year, and fintech is among the only sectors that are still behind.

3 Undervalued Fintech Stocks to Buy in June 2023

C3.ai

Micron Technology

AI, automation, and robotics have the potential to disrupt numerous industries. Recent advancements in AI technology, such as OpenAI's DALL-E 2 image generator and the introduction of chatbots like ChatGPT and Bard, have showcased progress in this field.

3 AI Stocks That Could 10X Your Money in 10 Years

Amazon

Fear may have permeated the markets in recent months, but great companies haven't tossed their growth stories out the window. Amazon got back to profitability in its most recent quarter, and underestimating this business even in the current environment could be a mistake.

2 Magnificent Growth Stocks Up 40% and 93% This Year to Buy and Hold for the Long Haul

Vertex Pharmaceuticals

The healthcare and lending markets represent multitrillion-dollar opportunities. Vertex Pharmaceuticals has a competitive edge and its foot in the door of multiple underserved markets.

Got $1,000? 2 Amazing Growth Stocks That Could Help You Retire Richer

Upstart's alternative assessment model is starting to show some cracks. Upstart's origination rates have plummeted in a year.

The Fed's Actions Have Hurt Upstart. Is the Stock a Buy?

Upstart reached a tipping point. Up until a few weeks ago, the business was still being speculated as potentially headed into bankruptcy. Even if the likelihood was small. However, right now, after the deal with Castlelake, Upstart is getting the lifeline it desperately needs. With bankruptcy concerns now off the table, Upstart can be valued as a going concern.

Upstart: The Catalyst Needed Fell Into Place

Teladoc

There's no denying that the market has taken investors for a wild ride, but good buys remain. Teladoc's recent losses aren't as alarming as they may appear, and the company is growing.

A Bull Market Is Coming: 2 Revolutionary Growth Stocks to Scoop Up Right Now

Intuitive Surgical

Growth stocks are still seeing plenty of volatility, but some companies stand out from the pack. Intuitive Surgical has withstood many a market storm thanks to a simple but compelling business model.

Got $1,500? 2 Top Growth Stocks to Buy Right Now

Roblox

SoFi Technologies

Roblox might get a summertime boost as kids get out of school and have more time to engage with the platform. Despite reporting a loss, SoFi Technologies' growth rates give a great reason to believe it can thrive in the future.

3 Hot Stocks to Get Your Portfolio Ready for Summer

Cloudflare

Snap

The top growth stocks have consistently outperformed other types of stocks over the past decade, and they have done so with relatively little risk to the downside. Most of these growth stocks have been a wild ride since the pandemic era, and the volatility could continue well into 2024 if recession fears turn out to be correct.

3 Growth Stocks That Could Turn $1,000 into $10,000 by 2030

Prudence has worked well for UPST, as evidenced by the moderation of its loan origination and operating expenses by the latest quarter. Combined with the secured $2B funding despite the recent banking meltdown, we may see the AI fintech demonstrate its proof of concept at a time of AI boom.

Upstart: This Optimism May Not Survive The Downturn

SoFi and Upstart share a common theme that could determine their future prospects. If things don't go well, it could get even uglier.

2 Growth Stocks That Could Become Unstoppable (If 1 Thing Goes Right)

COLUMBUS, Ohio & SAN MATEO, Calif.--(BUSINESS WIRE)--CME Federal Credit Union Selects Upstart for Personal Lending.

CME Federal Credit Union Selects Upstart for Personal Lending

One huge difference between SoFi and Upstart is in the customers they serve.

Best Stock to Buy: SoFi vs. Upstart

Baidu

Alphabet

Microsoft

Intuit

SoundHound AI Inc

Artificial Intelligence is far more than a fleeting trend. And savvy investors really shouldn't miss out.

7 AI Stocks to Make You the Millionaire Next Door

Lemonade

Upstart's AI-driven credit-scoring platform approves more loans without increasing default risks. AI has helped Lemonade streamline insurance sales and offer innovative insurance products.

Better AI Stock: Upstart vs. Lemonade

Two financial services companies are pitted together to determine which comes out on top.

Best Growth Stock to Buy: PayPal vs. Upstart

Upstart (NASDAQ: UPST ) stock may be the new major short squeeze candidate on Wall Street lately, at least according to S3 Partners. Specifically, S3 pegged the currently rallying artificial intelligence (AI) lending platform as one of the “squeeziest” stocks around.

S3 Partners Says Upstart (UPST) Stock Is Primed for a Short Squeeze

Why Meta Platforms, C3.ai, Upstart, and Other AI Stocks Surged Monday

The popularity of artificial intelligence has surged since the launch of ChatGPT in November 2022, which was developed by the AI startup OpenAI. This has resulted in the company being valued at $29 billion due to increased demand for its AI technology.

The 3 AI Stocks You Need to Own Now for Maximum Returns

Lemonade's superior user experience and focus on giving back has led to huge growth. The ability of Upstart's platform to better assess credit risk can apply to other lending markets.

News for Upstart Holdings Stock (UPST)