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

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Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

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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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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

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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%

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Shares of Upstart Holdings Inc. enjoyed their best daily performance in nearly a year Wednesday amid some hope that the once-hot lending company could soon turn a corner.

Upstart stock enjoys best day in a year amid hope that ‘difficult period' may be nearing its end

Upstart Holdings Inc (NASDAQ:UPST) stock rallied on Wednesday fending off last night's downbeat, expectation-missing, fourth-quarter results. The AI-lending app firm saw its share rocket some US$4.09, or 24% higher despite telling the market that it would reach US$100 million of first-quarter revenue, rather than the US$153 million projected by market consensus.

Upstart Holdings up 24% as investors bet on a ‘better-than-feared' scenario for 2023

Can Upstart (NASDAQ: UPST ) be a “sell” even while the company exceeds Wall Street's expectations? That's the billion-dollar question that UPST stock traders are answering today.

UPST Stock Alert: Why Citi Says Upstart Is a ‘Sell'

In a staggering rebound from this morning's premarket losses, the shares of Upstart Holdings Inc (NASDAQ:UPST) are up 22.2% at $20.59 at last glance.

Upstart Stock Breaks Out After Earnings

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Upstart Holdings, Inc. (NASDAQ:UPST ) Q4 2022 Results Conference Call February 14, 2023 4:30 PM ET Company Participants Jason Schmidt - Vice President, Investor Relations David Girouard - Co-Founder & CEO Sanjay Datta - CFO Conference Call Participants Peter Christiansen - Citigroup David Scharf - JMP Securities Simon Clinch - Atlantic Equities Robert Wildhack - Autonomous research Michael Ng - Goldman Sachs Sandy Beatty - Morgan Stanley John Hecht - Jefferies LLC Hal Goetsch - Loop Capital Arvind Ramnani - Piper Sandler Dan Dolev - Mizuho Securities Vincent Caintic - Stephens Operator Good day, and welcome to the Upstart Fourth Quarter 2022 Earnings Call. Today's conference is being recorded.

Upstart Holdings, Inc. (UPST) Q4 2022 Earnings Call Transcript

Upstart Holdings Inc (NASDAQ: UPST) tanked more than 11% in extended hours even though it reported market-beating results for its fourth financial quarter. Upstart stock down on downbeat guidance The tech stock is throwing a tantrum on the company's future outlook that came in significantly below expectations.

News for Upstart Holdings Stock (UPST)