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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Upstart Holdings Inc. topped expectations for its latest quarter Tuesday but forecast revenue for the current quarter that came in sharply below what analysts were anticipating.

Upstart revenue falls by half, earnings outlook underwhelms

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), a leading artificial intelligence (AI) lending marketplace, today announced financial results for its fourth quarter and fiscal year 2022 ended December 31, 2022. Upstart will host a conference call and webcast at 1:30 p.m. Pacific Time today. An earnings presentation and link to the webcast are available at ir.upstart.com.

Upstart Announces Fourth Quarter and Full Year 2022 Results

Upstart Holdings, Inc UPST was rallying Tuesday as the company heads into its fourth-quarter earnings print after the close.

Trading Strategies For Upstart Holdings Stock Before And After Q4 Earnings - Upstart Hldgs (NASDAQ:UPST)

Upstart Holdings Inc.'s earnings reports are known to take investors on wild rides.

Upstart earnings: What to expect

While the operating environment remains difficult for Upstart, the company's central value proposition is its AI models and this is what differentiates Upstart from all other players in the industry. Upstart has strong value proposition to consumers and bank partners even in a challenging macro environment.

Upstart: Here Is Why I Am Buying The Stock Today

Upstart's (UPST) fourth-quarter 2022 results are likely to be affected by higher interest and challenging macroeconomic condition.

Upstart (UPST) to Report Q4 Earnings: What's in the Offing?

UPST's stunning rally of nearly 120% from its December lows likely sent short-sellers scurrying to cover their positions. Despite the staggering rally, bears persist with short interest exceeding 40% as a percentage of float, demonstrating their unwavering defiance.

Upstart: At A Pivotal Moment

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Upstart has suffered a catastrophic meltdown amid the challenging economic environment.

Down 95%, Is Upstart Stock a Buy in 2023?

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Upstart Holdings Inc.'s short time as a public company has been anything but ordinary, and it could take time for investors to discover what the company's financials are really supposed to look like.

Upstart is ‘perhaps an idea ahead of its time' but its stock is too volatile now, analyst warns

Upstart Holdings had to cut 20% of their workforce as the platform continues to struggle to find bank partners willing to fund loans in a weak economy. The fintech already forecast large losses for Q4, and the job cuts suggest January numbers were weak.

Upstart: Flawed Business Model

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KANSAS CITY, Mo. & SAN MATEO, Calif.--( BUSINESS WIRE )--nbkc bank, a $1.1 billion-asset community bank, today announced that it has partnered with Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending marketplace, to provide personal loans to more people across the communities it serves.

nbkc bank Selects Upstart for Personal Lending

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Upstart (NASDAQ: UPST ) layoffs will see the company cutting a major number of jobs as it looks to reduce costs. With today's news comes Upstart layoffs covering 20% of the fintech company's employees.

Upstart Layoffs 2023: What to Know About the Latest UPST Job Cuts

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Upstart is laying off 365 employees due to reduced demand for lending. The artificial intelligence (AI) lending platform said in a Tuesday (Jan. 31) filing with the Securities and Exchange Commission (SEC) that the cuts will amount to about 20% of its current workforce.

Upstart Laying Off 365 Employees as Loan Originations Decline

The company announced in a regulatory filing this morning that it is planning to lay off 20% of its workforce.

Upstart Is Reorganizing Again. What It Means for the Company's Future.

It's likely a necessary move cutting costs, but doesn't answer the biggest question for investors.

Upstart Slashes 20% of Workers: Savvy Move or Sign of Trouble?

Lending company Upstart Holdings Inc. will cut its staff by 20% amid “challenging” conditions, it announced Tuesday.

Upstart to slash workforce by 20% amid sluggish loan originations

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News for Upstart Holdings Stock (UPST)