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 Q4 2022

Earnings data Q1 2023

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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.

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Cost of revenue

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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

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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

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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

The opportunity is enormous. But current market conditions have exposed some risks.

Is Upstart a Buy?

Shares in this lending innovator have gotten hammered, and the worst might be yet to come.

Proceed With Caution When Considering This Ultra-Popular Fintech Stock

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Auto Retail Named Fastest Growing Digital Retail Software for Auto Dealerships

Upstart Auto Retail Named Fastest Growing Digital Retail Software for Auto Dealerships

The online lending platform provider has nearly dropped back to its IPO price.

Is Upstart Holdings Stock a Buy Now?

Affirm

Nu Holdings

Tech and fintech stocks are struggling as investors gear up for a big week of economic data and insights.

Why Shares of Affirm, Upstart, and Nu Holdings Are Falling Today

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Oracle

UiPath

SAP SE

Seagate Technology Holdings PLC

We should see a reversal in the bear market at some point, and you can get ready by learning about these tech stocks to buy on the dip. The post 7 Tech Stocks to Buy on the Dip appeared first on InvestorPlace.

7 Tech Stocks to Buy on the Dip

Cloud base artificial intelligence (AI) lending platform Upstart Holdings (NASDAQ: UPST) stock has collapsed (-82%) for 2022.

Upstart Stock Getting Attractive After an 82% Sell-Off

Clorox

You can easily wrap your head around how these two growth stocks will reward your portfolio.

Got $7,500? 2 Simple Stocks to Buy Right Now

SoFi Technologies

It was a good week for these three fintechs up until Friday, when a bad economic report shifted the market's mood.

Why SoFi, Upstart, and Affirm Plunged Today

Beaten-down fintech stocks got a break this week, but will it last?

Why SoFi Technologies, Upstart, and Affirm Rose This Week

UPST stock in has been dropping because of global factors and a weak outlook. Shares are not going to make a comeback anytime soon.

Upstart Stock Is a Risky Play on Muted Outlook and Increasing Rates

DOWNEY, Calif. & SAN MATEO, Calif.--(BUSINESS WIRE)--Financial Partners Credit Union Selects Upstart for Personal Lending

Financial Partners Credit Union Selects Upstart for Personal Lending

Making stock decisions without doing this first is like trying to drive somewhere you've never been without GPS.

Investors Should Pump the Brakes and Do This Before Buying or Selling Beaten-Down Growth Stocks

The stock market surged higher today to continue the recent market rally.

Why Shares of Affirm, Upstart, and Nu Holdings Rose Today

This beaten-down fintech stock could rebound as macroeconomic headwinds dissipate.

Nasdaq Bear Market: 1 Growth Stock Down More Than 90% to Buy Now

Block

Positive consumer spending news helped bolster a number of fintech stocks.

Why Upstart, Affirm, and Square Fintech Stocks Rallied on Monday

Upstart is down ~94% from its all-time highs recorded in October 2021. The bubble has clearly burst. I was absolutely wrong about valuing Upstart as a technology company, with Upstart's dependence on bank & credit union partners exposing it to gyrations in the debt markets.

Upstart: An Opportunity Of A Lifetime Or A Tragic Mistake?

Lemonade

Redfin

Focusing on long-term targets can be a cure for navigating stock market volatility.

Prediction: These Tiny Growth Stocks Could Be Worth $5 Billion by 2030

Green Thumb Industries Inc.

Novavax

These supercharged growth stocks have the tools and intangibles necessary to make patient investors a lot richer.

3 Monster Growth Stocks That Can Turn $350,000 Into $1 Million by 2028

Navient

Nelnet

OneMain Hld

Western Union

6 Fintech stocks to buy on the dip. The financial technology arena has been hit hard, giving them low P/Es and high yields.

6 Fintech Stocks to Buy on the Dip

dLocal Ltd

Some of tomorrow's potential fintech winners are trading at fire sale prices.

The Top Fintech Stocks to Buy With $100

The latest inflation report left traders more pessimistic about those fintech companies' prospects.

Why Upstart, Affirm, and SoFi Stocks Are Falling Today

This AI-powered fintech company is suffering in the current macroeconomic environment.

Upstart Stock Just Crashed (Again) -- Is It Time to Buy?

Wilmington, Delaware--(Newsfile Corp. - July 12, 2022) - Rigrodsky Law, P.A. is investigating potential claims against the officers and directors of Upstart Holdings, Inc. (NASDAQ: UPST) on behalf of stockholders.To learn more about this investigation and your rights, visit: https://www.rl-legal.com/cases-upstart-holdings-inc.To contact Seth D. Rigrodsky or Gina M. Serra cost free, call or text (302) 295-5310 or email info@rl-legal.com.Rigrodsky Law, P.A., with offices in Delaware and New York, has recovered hundreds of millions of dollars on...

SHAREHOLDER ALERT: Rigrodsky Law, P.A. Is Investigating Upstart Holdings, Inc.

UPST stock is trying to find a bottom in 2022, but a disappointing full-year 2022 revenue outlook may make it hard to reverse its course. The post Avoid Upstart Stock While It Continues to Grasp for Air appeared first on InvestorPlace.

News for Upstart Holdings Stock (UPST)