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

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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.

Earnings data Q1 2021

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Earnings data Q4 2021

Earnings data Q1 2022

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Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

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Earnings data Q1 2024

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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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Shares of Upstart Holdings Inc. were sinking more than 11% in premarket trading Tuesday as analysts digested the lending company's new reality.

Upstart earnings spark questions about company's ‘fintech' narrative

Artificial intelligence (AI) lending marketplace Upstart on Monday (Aug. 8) delivered lower than expected financial results for the second quarter of fiscal year 2022 that brought close to a 15% share price drop in after trading hours following stock gains in the past week that touched new highs.

Upstart Sees Share Highs Plummet on Missed Q2 Earnings

Upstart Holdings, Inc. (NASDAQ:UPST ) Q2 2022 Earnings Conference Call August 8, 2022 4:30 PM ET Company Participants Jason Schmidt – Head-Investor Relations Dave Girouard – Chief Executive Officer Sanjay Datta – Chief Financial Officer Conference Call Participants Simon Clinch – Atlantic Equities Mike Ng – Goldman Sachs Andrew Boone – JMP Securities Ramsey El-Assal – Barclays Pete Christiansen – Citi Arvind Ramnani – Piper Sandler Vincent Caintic – Stephens James Faucette – Morgan Stanley Nat Schindler – Bank of America David Chiaverini – Wedbush Securities Operator Good day, and welcome to the Upstart Q2 2022 Earnings Call. Today's conference is being recorded.

Upstart Holdings Inc.'s (UPST) CEO Dave Girouard on Q2 2022 Results - Earnings Call Transcript

Upstart Holdings, Inc. (UPST) delivered earnings and revenue surprises of 120% and 0.07%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?

Upstart Holdings, Inc. (UPST) Surpasses Q2 Earnings and Revenue Estimates

Upstart Holdings Inc. shares fell after the company delivered a lower-than-expected revenue forecast for the current quarter, but its chief executive expressed confidence in the performance and value of artificial-intelligence-driven lending.

Upstart stock drops after earnings, but CEO says he's ‘confident' in value of AI lending

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Second Quarter 2022 Results

Upstart Announces Second Quarter 2022 Results

Shares of the fintech disruptor were up ahead of the earnings report this afternoon.

Why Upstart Stock Was Climbing Today

Shares of Upstart Holdings Inc. UPST, +9.63% were up more than 10% in Monday afternoon trading, ahead of the lending company's second-quarter earnings report, which is expected after the closing bell. Upstart executives disclosed a month back that they expected to fall well short of their prior forecasts for the second quarter, but the after-hours earnings report will contain more information about business trends and expectations.

Upstart stock surges more than 10% ahead of earnings, with high anticipation for lending company's outlook

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Upstart's (UPST) second-quarter 2022 results are likely to reflect benefits from its strategy to operate as a multiproduct company and growing strength across its auto refinance product.

Upstart (UPST) to Report Q2 Earnings: What's in the Offing?

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Ignore the noise and focus on what makes Upstart a potential home run.

The 2 Keys to Upstart's Success

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Here's Why SoFi, Affirm, and Upstart Are Rising This Week

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Investors were likely reacting to blockbuster results from another fintech specialist.

Why Upstart Stock Surged Today

The artificial-intelligence lending platform pre-announced disappointing Q2 earnings.

Why Upstart Holdings Tanked 23.1% in July

Upstart Holdings, Inc. (UPST) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Earnings Preview: Upstart Holdings, Inc. (UPST) Q2 Earnings Expected to Decline

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?

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

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News for Upstart Holdings Stock (UPST)