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 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

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SG&A

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Operating income

EBITDA

Net income

Earnings per share

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Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

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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

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Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

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

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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

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The rising rate environment has dramatically reduced demand for loans. Management needs to address some key challenges to foster trust in Upstart stock.

Upstart Stock: 3 Reasons to Sell, 1 Reason to Buy

A Commerce Department report indicted that inflation moderated further in February. Upstart's stock price remains down by more than 90% from its all-time high.

Why Upstart Rocketed 12% Higher Today

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Rising interest rates turned Upstart's business upside-down. It could struggle until the next up-cycle begins.

How Long Will Upstart Stock Struggle?

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The two companies were guilty by association, at least to certain investors. A short-seller published a highly critical report about a peer.

Why Lemonade and Upstart Holdings Stocks Sank Today

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending marketplace, today announced the launch of the Upstart Macro Index (UMI). In an industry first, UMI is designed to estimate how changing macroeconomic conditions, such as personal savings rate, inflation, and unemployment, are impacting the credit performance of Upstart-powered loans.

Upstart Launches the Upstart Macro Index

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Did Upstart Make a $178 Million Mistake?

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3 Reasons to Buy Upstart Holdings, and 1 Reason to Sell

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Upstart has suffered a major deterioration of its KPIs in 2022. The outlook for 1Q-23 is ugly as the company continues to suffer from higher interest rates.

Upstart: Turnaround Potential

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Investing in These 2 Stocks Could Be a Genius Move

Supercharged businesses with compelling trajectories to future growth abound even in the current environment.

News for Upstart Holdings Stock (UPST)