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

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

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.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

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

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Upstart Holdings Inc. released its Q2 2024 earnings, leading to a 40% jump in share price, fuelled by operational improvements. The company has shown progress in its AI-based credit decision models, leading to better risk separation and increased automation, as well as improvements in its funding structure. Upstart's new lending products auto, small dollar, and HELOC are gaining traction, indicating a positive outlook for the company's future growth.

Upstart: The First Really Positive Earnings Call In A While

Upstart's artificial intelligence model for making lending decisions could be an innovative improvement to the massive credit market.

Upstart Stock Analysis: Buy, Hold, or Sell?

Upstart delivered solid Q2 earnings last week that included a strong Q3 revenue projection. Upstart also beat earnings estimates and saw double-digit Q/Q loan growth. The Fintech's shares have surged after earnings.

Upstart: Likely Fairly Valued (Rating Downgrade)

Upstart reported second-quarter earnings this week. Despite revenue and profit declines, the results were better than expected.

Why Upstart Rocketed 44% Higher So Far This Week

CyberArk Software

Roku

Lower interest rates make it easier for firms to carry out acquisitions. That's because the lower rates enable them to borrow the funds they need to make big deals much more cheaply.

3 Potential Takeover Targets to Buy Now: August 2024

Advantage Solutions

Trupanion

Looking at short-squeeze stocks in this risk-off environment may seem a little crazy to most investors. Indeed, I agree with you.

3 Gamma Short-Squeeze Stocks That Could ‘Moon' Next Month

Upstart Holdings, Inc. stock surged nearly 40% after beating its Q2 estimates. Despite its revenue and earnings beats, Upstart's financial results softened year-over-year. The company's operating metrics are under pressure, which we believe will linger due to a challenging credit market.

Upstart Q2 Earnings: Not In Favor Of Its Post-Earnings Rally

Upstart, an AI-based lending platform, stands to benefit from the current economic backdrop. With a recent earnings beat and a high short interest, shares have short squeeze potential over the next few months.

Upstart Crushes Wall Street Expectations, Bucks the Trend

Upstart beat estimates, though revenue still declined. The company expects momentum to pick up in the second half of the year.

Why Upstart Stock Was Skyrocketing Today

Upstart Holdings, Inc.  UPST shares are jumping today after it reported better-than-expected second-quarter financial results and issued third-quarter revenue guidance above estimates yesterday.

Upstart Reported Strong Q2, But Analysts Are Concerned About Short Interest And Profitability - Here's Why

U.S. stocks traded higher midway through trading, with the Nasdaq Composite gaining around 250 points on Wednesday.

Crude Oil Jumps Over 3%; Upstart Shares Spike Higher

Following an impressive second-quarter earnings report, Upstart Holdings Inc (NASDAQ: UPST) has witnessed a significant shift in analyst perceptions. Notably, Citi upgraded the company from ‘Sell/High Risk' to ‘Neutral/High Risk,' simultaneously raising their price target from $15 to $33.

Upstart Holdings jumps over 45% after Q2 earnings beat estimates, Citi upgrade: Should you buy?

Although the revenue and EPS for Upstart (UPST) give a sense of how its business performed in the quarter ended June 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Upstart (UPST) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Upstart (NASDAQ: UPST ) stock is on the move Wednesday as investors are taking extra interest in the cloud-based artificial intelligence ( AI ) lending platform. This comes after Upstart reported adjusted earnings per share of -17 cents in the second quarter of 2024.

UPST Stock: Why Investors Are Jumping Into Upstart Today

Dave

Piper Sandler Cos

The Federal Reserve appears set to begin cutting interest rates in September. In fact, the cuts may be rather aggressive, with some traders starting to bet on 50 rather than 25 basis point cuts to try to support the job market.

3 Financial Stocks to Sell in August Before They Crash & Burn

Upstart Holdings, Inc. UPST reported better-than-expected second-quarter financial results and issued third-quarter revenue guidance above estimates on Tuesday.

Upstart Analysts Boost Their Forecasts Following Strong Q2 Results

Upstart's better-than-expected earnings led to a 20% share price increase, but its high debt and valuation make it a risky investment. The company faces challenges with debt, stock volatility, and macroeconomic conditions, despite progress in revenue growth and efficiency. Upstart's valuation at 50x next year's EBITDA, along with its substantial debt burden, makes it an unattractive investment opportunity.

Upstart Q2 Earnings: A Lofty Price Of 50x EBITDA For This Fintech

Upstart Holdings Inc. NASDAQ: UPST is a fintech that provides an artificial intelligence (AI) powered digital lending platform. The company is a disrupter in the financial services sector, promising to revolutionize lending by offering optimized data-driven credit availability to more borrowers.

AI-Powered Lending Stock Surges on Rate Cut Hopes

Upstart Holdings, Inc. (NASDAQ:UPST ) Q2 2024 Earnings Conference Call August 6, 2024 4:30 PM ET Company Participants Dave Girouard - Co-Founder, Chief Executive Officer Sanjay Datta - Chief Financial Officer Cindy Moon - Lead Corporate & Securities Counsel Conference Call Participants Mihir Bhatia - Bank of America Ramsey El-Assal - Barclays Kyle Peterson - Needham Peter Christiansen - Citigroup James Faucette - Morgan Stanley Dan Dolev - Mizuho Giuliano Bologna - Compass Point Rob Wildhack - Autonomous Research Simon Clinch - Redburn Atlantic Vincent Caintic - BTIG Reggie Smith - JP Morgan Arvind Ramnani - Piper Sandler Operator Good day everyone! And welcome to the Upstart Second Quarter 2024 Earnings Conference Call.

Upstart Holdings, Inc. (UPST) Q2 2024 Earnings Call Transcript

Upstart Holdings, Inc. (UPST) came out with a quarterly loss of $0.17 per share versus the Zacks Consensus Estimate of a loss of $0.39. This compares to earnings of $0.06 per share a year ago.

Upstart Holdings, Inc. (UPST) Reports Q2 Loss, Tops Revenue Estimates

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Second Quarter 2024 Results.

Upstart Announces Second Quarter 2024 Results

Trump Media & Technology Group Corp

Nikola

Although meme stock mania settled down after Roaring Kitty woke the internet chatroom favorites from their slumber, it doesn't mean these stocks still don't have a large, passionate following. The so-called apes just haven't been able to circle the wagons again around the biggest names to drive their shares higher.

3 Meme Stocks to Sell Before You Regret It

Guess?

Short-squeeze stocks may be the last thing on investors' minds amid the ongoing tech sell-off battering the markets. Nearly every stock seems to be down at the moment, with steeper drops seen among more speculative names.

3 Stocks to Buy NOW Before the Mother of All Short Squeezes

SentinelOne

Interest rate hikes in 2022 tanked speculative growth stocks. Upstart's business could bounce back in a lower-rate environment.

2 Beaten-Down Artificial Intelligence (AI) Stocks to Buy Hand Over Fist

Lemonade

As we progress through 2024, there continues to be many AI stocks to watch. The surge in AI applications, particularly in generative AI and machine learning, has created lucrative opportunities for investors.

News for Upstart Holdings Stock (UPST)