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 Q1 2023

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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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Cost of revenue

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Minority interest

Total liabilities & equity

Total debt

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Book value per share

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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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Upstart still needs to address some formidable challenges.

Up Over 35% in 2023, Is Upstart Stock Ready for a Comeback?

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Like many fintech companies, this innovator wasn't spared amid the market's turmoil in 2022.

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Upstart isn't doing everything wrong. It's doing the one thing that matters right.

The 1 Reason I Still Own Upstart Stock

The online lending platform faces a lot of near-term challenges.

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Upstart is updating its auto retail platform to help dealers offer a simpler buying experience. The artificial intelligence (AI) lending marketplace announced the new applications in a Thursday (Jan. 19) news release.

Upstart Offers Tools to Promote ‘Omnichannel Car Buying'

Fears over a recession permeated the market, hitting this struggling fintech especially hard.

Why Upstart Was Falling Hard Today

SAN MATEO, Calif.--( BUSINESS WIRE )--Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending marketplace, today announced that it will add two new applications to its Auto Retail platform – Digital Finance and Online Sales – to offer dealerships a seamless online to in-store car-buying experience, from search to signing. Upstart will showcase the applications at the National Automobile Dealers Association Show (NADA) in Dallas, Texas, Jan. 26-29.

Upstart Introduces Digital Finance and Online Sales Applications to Offer a Fully Digital Auto Retail Experience

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SAN MATEO, Calif.--( BUSINESS WIRE )--Upstart Holdings, Inc. (NASDAQ: UPST), a leading artificial intelligence (AI) lending marketplace, announced today that its fourth quarter and fiscal year 2022 business and financial results will be released on Tuesday, February 14, 2023 after the market close. Upstart will host a conference call and live webcast that day at 1:30 p.m. PT / 4:30 p.m. ET. Prior to the conference call, the fourth quarter and full year 2022 earnings press release and investor presentation will be available on Upstart's investor relations website at ir.upstart.com.

Upstart to Report Fourth Quarter and Full Year 2022 Earnings on February 14, 2023

Recent quarter loan volumes down as a result of heightened macroeconomic uncertainties and the rising rates environment. The Upstart team looks to improve operating efficiency in the short term to continue to invest in the business in the long term.

Upstart: Fundamentally Strong Business In A Cyclically Weak Sector In 2023

Upstart Holdings, Inc.'s revenue growth slowed in 2022 amid the impact of higher interest rates on unsecured lending in the US. With the stock down more than 80% in 1 year, valuations look optically compelling with a P/S of 1.67x vs 4.7x during its IPO in Dec 2020.

Upstart Stock: The Train Is Leaving The Station But Beware Of FOMO, Volatility

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Upstart Holdings Inc.'s ( UPST , Financial) strong business model has enabled it to penetrate the borrowing and lending market more effectively than most of its competitors.

Upstart Will Remain Stressed for the Next Few Quarters

This economically sensitive fintech rose as hopes for a "soft landing" emerged in the second trading week of the year.

News for Upstart Holdings Stock (UPST)