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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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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Alphabet

Nu Holdings

Alphabet's recent I/O developer conference gave investors plenty to get excited about. Nu Holdings is inviting Latin America's vast unbanked and underbanked population into the mainstream financial system.

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Pagaya operates an AI-powered credit risk platform that helps banks approve more loans, which it sells to institutions as asset-backed securities. Revenue, network volume, and adjusted EBITDA were all higher than expected in the 2023 first quarter.

This AI Stock Is Running Circles Around Upstart, and Wall Street Sees a 249% Upside

Upstart's stock has been on a tear this month. The recent price strength has come on the back of improving sentiment toward future earnings.

Upstart Stock: Can The Rally Continue?

Microsoft

NVIDIA

Microsoft recently invested $10 billion into ChatGPT's maker, OpenAI. Upstart has been a pioneer in AI-based lending.

3 Companies to Consider If You're Looking to Add AI Stocks to Your Portfolio

Upstart announced a $4 billion funding agreement this week. At least one company director thinks the stock has more room to run.

Why Upstart Stock Is Going Parabolic This Week

C3.ai

C3 is struggling with sluggish growth and customer concentration issues. Upstart will remain out of favor as long as interest rates keep climbing.

Better Growth Stock: C3.ai vs. Upstart

Bank of America

JPMorgan Chase & Co

U.S. Bancorp

A regional lender published some unexpectedly good news. In contrast to many investor fears, this bank's deposit base has been growing lately.

Why Bank Stocks Like Bank of America Shot Higher Today

Upstart is coming off a difficult 2022: Demand for consumer credit plunged, and banks trimmed back on risk. But the company just secured substantial funding deals, giving it plenty of runway to originate loans.

1 Unstoppable AI Stock Down 95% With a $2.7 Trillion Opportunity Ahead

Upstart Holdings reported better-than-expected earnings, leading to a surge in its stock price and catching short-sellers off guard. The company secured a $4B deal with alternative asset manager Castlelake, indicating increased funding capacity from such institutions.

Upstart: Strikes Back With An Explosive Surge

The company had improved guidance and secured its first committed capital. But how credit quality at Upstart fares during a recession remains to be seen.

Upstart Made Some Improvements, But There's Much to Be Desired

Upstart's stock skyrocketed 35% after 1Q-23 results were announced. Higher interest rates are hurting Upstart's lending business, but 2024 could be a strong recovery year for the AI startup.

Upstart: A Turnaround AI Lending Play

Credit shop Castlelake LP has agreed to buy $4 billion worth of Upstart debt. The deal will give Upstart more balance sheet flexibility.

Why Upstart Holdings Stock Is Up Today

Markets were mixed on Monday afternoon. C3.ai released preliminary financial results that bolstered confidence in the AI stock.

These 2 AI Stocks Are Heating Up

MINNEAPOLIS , May 15, 2023 /PRNewswire/ -- Castlelake, L.P. ("Castlelake"), a global alternative investment manager with 17 years of experience investing in asset-rich opportunities today announced that Castlelake, together with a co-investor and minority partner Eltura Capital Management, has reached an agreement to purchase up to $4 billion of consumer installment loans from Upstart (NASDAQ: UPST), an artificial intelligence (AI) lending marketplace.

Castlelake Reaches Purchase Agreement for up to $4 Billion of Consumer Installment Loans Originated on Upstart's Platform

Upstart is at a critical juncture, with the company making progress in key areas. Securing funding commitments can be a game-changer for the stock.

Upstart: The Inflection Point?

Bionano Genomics

Shoals Technologies Group

Everyone who invests in growth stocks hopes that one of their holdings will become the next Netflix (NASDAQ: NFLX ), the next Amazon (NASDAQ: AMZN ), or the next Facebook. In other words, they're looking for names that can transform, or disrupt, entire sectors.

3 Growth Stocks That Are Disrupting Their Industries in 2023

Upstart uses artificial intelligence to inform lending decisions.

What's Going On With Upstart Stock?

Upstart reported a steep revenue decline and a big loss in the first quarter. Guidance calls for an improvement in Q2, and the company has secured some additional funding for loans.

Is Upstart Stock Finally Turning the Corner?

Upstart continues adding lending partners, and its AI seemingly works as intended. The company secured $2 billion in committed loan funding -- a big deal.

Is It Too Late to Buy Upstart Stock?

The fintech beat first-quarter revenue and earnings projections. It secured $2 billion in funding agreements and got several analyst upgrades.

Why Upstart Stock Jumped 21.1% This Week

Berkshire Grey

Cerence

It almost goes without saying that investors looking for the best AI stocks to buy now should purchase shares of Microsoft (NASDAQ: MSFT ) and Nvidia (NASDAQ: NVDA ). These technological giants are going to play a huge role in the future of artificial intelligence.

3 AI Stocks That Are Trading at a Massive Discount Right Now

Upstart Holdings (NASDAQ: UPST ) stock is falling today, but reports indicate it may be headed for a short squeeze. The company operates in the artificial intelligence (AI) and fintech spaces, two areas with plenty of opportunity for growth right now.

Is a Giant Short Squeeze Brewing in Upstart (UPST) Stock?

Upstart has produced a vastly improved set of financials that can set it on a course toward profitability. It is now leaner, which will significantly improve margins. Upstart is likely to emerge from a difficult 2022 a stronger company with a better product and better visibility over loan funding.

A Leaner Upstart Can Grow From Here

Alibaba

Market timing is never easy, but the stock market rewards patience. There are plenty of innovative tech leaders selling well off their previous highs.

2 Top Tech Stocks Ready for A Bull Run

Upstart reported a revenue and earnings beat, and gave upbeat guidance. However, the announcement of $2 billion in new funding from third parties was the key to today's jump.

News for Upstart Holdings Stock (UPST)