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.

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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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Minority interest

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Upstart (NASDAQ: UPST) stock price recovery continued as it jumped to the highest level since June 2022. The shares have jumped by more than 215% from the lowest level in 2022.

Upstart stock price forecast: Is it safe to buy UPST shares now?

HOUSTON & SAN MATEO, Calif.--(BUSINESS WIRE)--Texas Bay Credit Union Selects Upstart for Personal Lending.

Texas Bay Credit Union Selects Upstart for Personal Lending

Upstart Holdings Inc. shares have tumbled 90% from their all-time highs, and BTIG analyst Lance Jessurun thinks now is the time for investors to buy in.

Upstart's stock is now a buy, says analyst: ‘The bear thesis is fading'

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High interest rates have hurt Upstart's business. Despite a tougher economic environment, Upstart's alternative lending model has worked well.

Is Upstart Stock a Buy Now?

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Upstart's stock is experiencing a short squeeze. But it's no fluke -- the fundamentals are getting better.

This Stock's 150% Short Squeeze Has More Juice Yet

Upstart has two huge opportunities that could fuel growth for several years.

2 Green Flags for Upstart Stock Investors

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The release of OpenAI's ChatGPT has fired up investor interest in AI-related stocks. Upstart Holdings relies on AI to approve consumer loans that would get rejected using outdated assessment methods.

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Upstart stock peaked in late 2021, right before rising inflation and interest rates disrupted the U.S. economy. The stock plunged 97% from its all-time high, and Wall Street remains bearish.

None of These Wall Street Analysts Recommend Buying This AI Stock -- They Might Be Wrong

Upstart has had to grapple with fickle lenders leaving its platform in challenging economic conditions.

Did Upstart Just Change Its Long-Term Strategy?

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It seems like anything and everything with an artificial intelligence (AI) angle is red-hot nowadays. This can help to explain why Upstart (NASDAQ: UPST ) stock rallied in May and early June.

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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.

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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

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News for Upstart Holdings Stock (UPST)