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 Q4 2022

Earnings data Q1 2023

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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

Baidu

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Investors endured a challenging 2022, with the Nasdaq Composite bringing up the caboose among the major U.S. indexes. No matter what Wall Street throws investors' way, being optimistic over the long run has been a recipe for success.

Nasdaq Bear Market: 5 Tremendous Growth Stocks You'll Regret Not Buying on the Dip

SAN MATEO, Calif.--(BUSINESS WIRE)--Mercedes-Benz Names Upstart Auto Retail an Approved Digital Retail Provider.

Mercedes-Benz Names Upstart Auto Retail an Approved Digital Retail Provider

Upstart's automotive lending business could shine on its own. The company's technology continues to prove itself even in a brutal lending environment.

3 Green Flags for Upstart's Future

Fair Isaac

Lenders are likely to demand an AI-driven loan assessment process eventually. The FICO score remains the standard for evaluating borrowers.

3 Reasons Upstart Should Seek an Alliance With Fair Isaac Corporation

Alphabet

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SentinelOne

Big tech companies like Microsoft and Alphabet lead the pack in AI chatbot technology. AI companies like Upstart, SentinelOne, and Lemonade could disrupt their industries.

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If you're looking for some explosive returns in the stock market, you might want to consider betting on short-squeeze stocks. These stocks have a high percentage of their float sold short by hedge funds and other bearish investors betting on their decline.

3 Short-Squeeze Stocks That Could Crush Hedge Funds

Direct Digital Holdings

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If you are looking for some excitement in your portfolio, you might be tempted by high-risk, high-reward stocks. These are the stocks that can soar to the moon or crash to the ground, depending on how the market perceives their growth potential and profitability.

7 High-Risk, High-Reward Stocks That Could Pay Off Big-Time

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Report First Quarter 2023 Earnings on May 9, 2023

Upstart to Report First Quarter 2023 Earnings on May 9, 2023

Big Lots

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Although the concept of gambling on short-squeeze stocks present risks, certain market ideas drive hedge funds crazy. By this statement, I'm referring to companies that speculators believe in their hearts should tumble for various reasons.

7 Short-Squeeze Stocks That Are Driving Hedge Funds Crazy

Upstart runs a risk evaluation service for lending partners that want to find creditworthy borrowers who happen to have bad FICO scores. Shares of Upstart have plummeted around 95% from a peak they set back in 2021.

Down 95%, Is It Finally Time to Buy Upstart Holdings?

Disney

Fastly

Green Thumb Industries Inc.

Though all three U.S. stock indexes fell into a bear market in 2022, the Nasdaq Composite was hit hardest. Every double-digit decline throughout history in the major stock indexes has proved to be a rock-solid buying opportunity for long-term investors.

Nasdaq Bear Market: 5 Colossal Growth Stocks You'll Regret Not Buying on the Dip

Coinbase

Betting on comebacks can be lucrative but doesn't always work out. Coinbase has seen revenue collapse and losses balloon as crypto trading volumes evaporate.

2 Risky Tech Stocks to Avoid

EVgo

Marathon Digital Holdings

Short-squeeze stocks grabbed headlines last year following the monumental meme stock frenzy in 2021. The phenomenon emerged from the trenches of Reddit where traders banded together leaving short-sellers scrambling to cover their positions.

3 Short-Squeeze Stocks That Are Defying Gravity

NVIDIA

Nvidia's massive AI opportunity could help the stock soar in the next five years. Upstart is on track to take advantage of growing adoption of AI in banking and lending services, and shares are trading at an attractive valuation.

Prediction: 2 Nasdaq Stocks That Could Double in 5 Years

Inflation is showing signs of slowing. Analysts at JPMorgan are not bullish on Upstart.

Why Shares of Upstart Are Falling Today

CorePlus Federal Credit Union Selects Upstart for Personal Lending

Upstart's business thrived in 2021, when interest rates were low. But last year, as the Fed aggressively raised rates, Upstart struggled significantly.

Is It Time for Investors to Sell Upstart? Or Is It Worth the Risks?

At one point in 2021, Upstart traded at close to $400 per share. Now the stock trades at around $17.

Upstart Stock May Look Cheap, but I'm Not Buying

Vertex Pharmaceuticals

Even another market downturn could present opportunities for long-term investors. Vertex Pharmaceuticals isn't slowing down, but more growth opportunities could be on the near horizon.

2 Winning Stocks That Could Turn $10,000 into $50,000 by 2030

Upstart has struggled to maintain its growth engine in a higher interest rate environment. Funding partners have pulled back due to low confidence in the company's ability to perform adequately in this environment.

Upstart: Stuck In The Middle Of Nowhere

Affirm

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My tech-growth portfolio made new lows in December, reaching a decline of 40%. Nevertheless, when regarding the glass as half full, SaaS stocks have reached historically low valuations, within just two years of reaching bubble valuations.

I Didn't Think My Portfolio Could Sink Lower

Upstart is feeling pressure as its model is being tested in the high interest rate environment. Revenue and profitability plunged in the 2022 fourth quarter.

Why Upstart Stock Lost 14% in March

Upstart Holdings, Inc. has been savaged since my "Strong Buy" recommendation in June last year, which proved to be embarrassingly ill-timed. The headwinds the company has faced since were almost a perfect storm; looking back now, it's not surprising Upstart continued its rapid descent.

Upstart: Ready To Roar With A Newborn's Heart

Chewy

When stock markets ended the first quarter of this year with strong gains, speculators bought the most short-sold stocks. They bet that despite the deteriorating business conditions, the stock would overcome unfavorable valuations.

The 3 Most Short-Sold Stocks to Avoid at All Costs

News for Upstart Holdings Stock (UPST)