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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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

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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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Teladoc

Don't let a potential bear market keep you on the sidelines.

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SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending marketplace, today announced that Upstart Auto Retail was selected by Acura as a preferred provider in its digital retail program. Upstart's modern car-buying software is now available to Acura dealers and their customers across the U.S. As consumers increasingly shop for a car both online and in-store, automakers need to be able to meet their customers where they are.

Acura Names Upstart Auto Retail a Preferred Digital Retail Provider

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I think that there are signs showing that we could see an addition of a long-term committed capital partner in 1Q23, which will be a huge catalyst for the company. Management has committed to maintaining the current size of the loans it has on its balance sheet as it has reached the maximum size that it has planned for.

Upstart: A Huge Catalyst In 2023

Cognex

Wealthy hedge fund managers have been buying stocks during the Nasdaq bear market.

2 Artificial Intelligence Stocks Millionaires Are Buying in a Nasdaq Bear Market

DENVER & SAN MATEO, Calif.--(BUSINESS WIRE)--The Bank of Denver (Bank of Denver), a full service, family-owned community bank, today announced that it has partnered with Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending marketplace, to provide personal loans and auto refinance loans to more customers

The Bank of Denver Partners with Upstart to Offer Personal and Auto Refinance Loans

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Coinbase

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These beaten-down stocks aren't likely down for the count.

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Digging In on the Latest News From Airbnb and Upstart

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Poor macroeconomic conditions have been weighing on the company's growth prospects.

Down 95% From Its High, Is Upstart Holdings a Buy?

Riskified Ltd

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For Q4 2022, Upstart delivered a beat on both top and bottom lines; however, funding constraints continue to haunt its lending marketplace. Upstart's guidance for Q1 2023 is an absolute nightmare for investors, but management's positive commentary around "committed funding" was a big development from the Q4 earnings call.

Upstart Stock: An Unhyped And Derisked Bet On Artificial Intelligence

The company has always served as a loan marketplace and never intended to hold loans like a bank.

Upstart Now Has $1 Billion Worth of Loans on Its Balance Sheet. Should Investors Be Worried?

Upstart just reported its financial results for 2022, and there were some positive signs that the worst is behind it.

This Artificial Intelligence Stock Is Down 94%, but It's Mounting a Comeback

NerdWallet

The earnings cavalcade continues. For the FinTech IPO Index, gainers battled declining stocks to a draw.

Nerdwallet, Upstart Lead Earnings Avalanche as FinTech IPO Index Gains 1%

Block

Ray Dalio (Trades, Portfolio) is the founder of Bridgewater Associates, the world's largest hedge fund with ~$18.32 billion in 13F holdings as of its latest 13F filing for the fourth quarter of 2022. The firm owns shares of 821 stocks and is known for its strategy of being heavily diversified across sectors and at the cutting edge when it comes to economic models.

News for Upstart Holdings Stock (UPST)