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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Earnings data Q1 2023

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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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EBITDA

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Earnings per share

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Inventory

Non-current assets

Net PPE

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Current liabilities

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Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

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Change in working capital

Cash from investing

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Purchase/sale of business

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Change in stock

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Net change in cash

Free cash flow

Upstart Holdings, the AI-driven lending marketplace, experienced a surge in trading on Wednesday as its shares soared 32%. The rally came on the heels of the company securing an additional $2 billion in funding, which instilled confidence in investors and squeezed out bearish traders.

Upstart surges as AI lending platform secures $2B in funding, squeezing short sellers

Upstart delivered solid 1Q23 results as revenue beat due to long-term funding and operating expenses beat due to workforce reductions and improved efficiency. Guidance was also solid as management expects breakeven in adjusted EBITDA by next quarter and see improving credit trends continue in the next quarter.

Upstart: A Turnaround Quarter As The Worst Is Likely Over

Shares of highly shorted Upstart Holdings jumped 32% in premarket trading on Wednesday, squeezing out bearish investors, after the artificial intelligence-driven lending marketplace secured an additional $2 billion in funding.

AI lending firm Upstart jumps as $2 bln funding news squeezes bears

With its stock down 96% from peak closing levels, Upstart Holdings Inc. is finally showing “incremental positives,” though analysts say the company still has a long recovery journey ahead of it.

Upstart's funding progress sparks massive stock rally, but these analysts still have concerns

Disney

Premarket action on Wednesday had the three major U.S. indexes trading lower. The Dow Jones industrials were down 0.18%, the S&P 500 down 0.18% and the Nasdaq 0.19% lower.

Wednesday Premarket: Inflation, an Upstart Short Squeeze, Disney Earnings, Scarlett Johansson

AI lending platform Upstart Holdings Inc. ( US:UPST ) revealed its first quarter results to the market on Tuesday afternoon, reporting a 67% decline in total revenue as headwinds continue to send shockwaves across the industry.

Upstart Primed for Explosive Short Squeeze on Wednesday as Funding Secures Future

CTI BioPharma

Rivian Automotive

CTI BioPharma Corp. CTIC stock soared 83% in premarket trading after Swedish Orphan Biovitrum AB SE:SOBI said it had entered into an agreement to acquire the biotech in a deal valued at $1.7 billion. The offer represents a premium of 88.

CTI BioPharma soars on deal news, while Upstart and Rivian climb after earnings

PayPal

PayPal (NASDAQ: PYPL) and Upstart (NASDAQ: UPST) stock prices diverged after they published their earnings this week. Upstart shares jumped by 40% in extended hours to $19.66 while PayPal stock crashed by more than 12% on Tuesday.

PayPal and Upstart stock prices diverged after earnings: better buy?

Upstart forecasts revenue and adjusted earnings for the second quarter ahead of analysts' expectations. The company also says it secured long-term funding agreements.

Upstart Stock Soars. The Beaten-Down AI Company Delivers an Outlook Surprise.

Upstart Holdings, Inc. (NASDAQ:UPST ) Q1 2023 Earnings Conference Call May 9, 2023 4:30 PM ET Company Participants Jason Schmidt – Head-Investor Relations Dave Girouard – Chief Executive Officer Sanjay Datta – Chief Financial Officer Conference Call Participants Simon Clinch – Atlantic Equities John Coffey – Barclays Peter Christiansen – Citi James Faucette – Morgan Stanley Reggie Smith – JPMorgan Operator Good day, and welcome to the Upstart First Quarter 2023 Earnings. Today's conference is being recorded.

Upstart Holdings, Inc. (UPST) Q1 2023 Earnings Call Transcript

Celsius Holdings

Markets moved lower on Tuesday. Upstart Holdings' shares soared after hours following the release of its first-quarter financial report.

Why Upstart and Celsius Soared After Hours Tuesday

Apple

Airbnb

C3.ai

Advanced Micro Devices

NVIDIA

Palantir Technologies

SPDR S&P 500 ETF Trust

The market seems to be inching closer to its next big short squeeze. Multiple popular meme stocks are in the spotlight as more names join the list of companies with no shares available to short.

The Top 10 Meme Stocks Right Now

Upstart (NASDAQ: UPST ) just reported results for the first quarter of 2023. Upstart posted a loss per share of 47 cents.

UPST Stock Earnings: Upstart Beats EPS, Misses Revenue Estimates

Shares of Upstart Holdings Inc. were rocketing 27% in after-hours trading Tuesday after the beleaguered financial-services company delivered an upbeat outlook for the current period even as its revenue for the latest quarter came in at a third of what it was a year before.

Upstart stock soars as earnings outlook positively surprises

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

Upstart Announces First Quarter 2023 Results

Microsoft

Trade Desk

Love it or hate it, whether you see it as friend or foe, artificial intelligence (AI) is rapidly expanding. I say expanding because AI has been in use for years.

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Lemonade

C3.ai's rise seems driven by hype rather than substance. Upstart's quarterly revenue has declined by more than 37% in less than a year.

As AI Catches Fire, These Are 3 AI Stocks You Should Consider Avoiding

Upstart's (UPST) first-quarter 2023 performance will likely reflect the benefits from recent additions in its product portfolio amid challenging macro environment and tightening from funding partners.

Upstart (UPST) to Report Q1 Earnings: What's in the Offing?

In March, the FDIC entered into a consent order with Cross River Bank, a key partner for Upstart. Cross River not only originates many Upstart loans but retains them as well.

Upstart Faces Another Big Risk: The FDIC Is Watching Its Top Bank Partner

Capital One

SoFi Technologies

SoFi delivered an earnings beat in Q1, but the market is concerned about its balance sheet dynamics. One of Upstart's key origination partners entered into a consent order with the FDIC.

Why Shares of Capital One, Upstart, and SoFi Are Falling This Week

Upstart's business has taken a hit from the hiked interest rates. Although it's not a bank, it's also receiving backlash from the banking crisis.

Why Upstart Dropped 13% in April

Pinterest

An advertising giant and a fintech disruptor each may present compelling buy opportunities for long-term investors. Pinterest is capitalizing on mobile app users as it enters a new phase of its growth story.

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Chewy

The pet care and lending industries are both growing at explosive rates. Chewy is growing where it counts, and profits are soaring.

2 Stocks That Could Turn $250,000 Into $1 Million by Your Retirement

Vertex Pharmaceuticals

Investing in all market environments is vital to growing your portfolio over time. Upstart is partnering with some pretty impressive names as it builds out its network and long-term growth vision.

2 Stocks That Could Turn $200,000 Into $1 Million by the Time You Retire

Nvidia's products are particularly adept at powering artificial intelligence applications. Upstart hopes its AI will upend an industry ripe for disruption.

News for Upstart Holdings Stock (UPST)