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

Engineering and product development

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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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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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Shareholders with $500,000 losses or more are encouraged to contact the firm. LOS ANGELES , July 7, 2022 /PRNewswire/ --  Glancy Prongay & Murray LLP ("GPM") announces that investors with substantial losses have opportunity to lead the securities fraud class action lawsuit against Upstart Holdings, Inc. ("Upstart" or the "Company") (NASDAQ: UPST).

UPST Investors Have Opportunity to Lead Upstart Holdings, Inc. Securities Fraud Lawsuit

San Diego, California--(Newsfile Corp. - July 7, 2022) - Robbins Geller Rudman & Dowd LLP announces that purchasers or acquirers of Upstart Holdings, Inc. (NASDAQ: UPST) securities between March 18, 2021 and May 9, 2022, inclusive (the "Class Period") have until this Tuesday, July 12, 2022 to seek appointment as lead plaintiff in in the Upstart class action lawsuit. The Upstart class action lawsuit charges Upstart and certain of its top executive officers with...

TUESDAY INVESTOR DEADLINE: Upstart Holdings, Inc. Investors with Substantial Losses Have Opportunity to Lead Class Action Lawsuit - UPST

Los Angeles, California--(Newsfile Corp. - July 7, 2022) - The Schall Law Firm, a national shareholder rights litigation firm, reminds investors of a class action lawsuit against Upstart Holdings, Inc. ("Upstart" or "the Company") (NASDAQ: UPST) for violations of §§10(b) and 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder by the U.S. Securities and Exchange Commission.Investors who purchased the Company's securities between March 18, 2021 and May 9, 2022, inclusive...

TUESDAY DEADLINE REMINDER: The Schall Law Firm Encourages Investors in Upstart Holdings, Inc. with Losses of $500,000 to Contact the Firm

NEW YORK , July 7, 2022 /PRNewswire/ -- Levi & Korsinsky, LLP notifies investors in Upstart, Inc. ("Upstart" or the "Company") (NASDAQ: UPST) of a class action securities lawsuit. CLASS DEFINITION: The lawsuit seeks to recover losses on behalf of Upstart investors who were adversely affected by alleged securities fraud between March 18, 2021 and May 9, 2022.

UPST LAWSUIT ALERT: Levi & Korsinsky Notifies Upstart, Inc. Investors of a Class Action Lawsuit and Upcoming Deadline

San Francisco, California--(Newsfile Corp. - July 6, 2022) - Hagens Berman urges Upstart Holdings, Inc. (NASDAQ: UPST) investors with losses in excess of $500,000 to submit your losses now. A securities fraud class action has been filed and investors with significant losses may have the opportunity to lead the case.Expanded Class Period: Mar. 18, 2021 - May 9, 2022Lead Plaintiff Deadline: July 12, 2022Visit: https://www.hbsslaw.com/investor-fraud/UPSTContact An Attorney Now: UPST@hbsslaw.com844-916-0895Upstart Holdings, Inc. (UPST) Securities F

HAGENS BERMAN, NATIONAL TRIAL ATTORNEYS, Encourages Upstart Holdings, Inc. (UPST) Investors with $500,000+ Losses to Contact Firm's Attorneys Before July 12th Deadline in Securities Fraud Action

A host of issues may have contributed to the fintech's sharp decline.

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NEW YORK , July 6, 2022 /PRNewswire/ -- The Gross Law Firm issues the following notice to shareholders of Upstart, Inc.. Shareholders who purchased shares of UPST during the class period listed are encouraged to contact the firm regarding possible lead plaintiff appointment.

SHAREHOLDER ALERT: The Gross Law Firm Notifies Shareholders of Upstart, Inc. of a Class Action Lawsuit and a Lead Plaintiff Deadline of July 12, 2022 - (NASDAQ: UPST)

NEW YORK , July 5, 2022 /PRNewswire/ -- Pomerantz LLP announces that a class action lawsuit has been filed against Upstart Holdings, Inc. ("Upstart" or the "Company") (NASDAQ: UPST) and certain of its officers. The class action, filed in the United States District Court for the Northern District of California, and docketed under 22-cv-03668, is on behalf of a class consisting of all persons and entities other than Defendants that purchased or otherwise acquired Upstart securities between March 18, 2021 and May 9, 2022, inclusive (the "Class Period") against Upstart and certain of its officers (collectively "Defendants") seeking to pursue remedies under Sections 10(b) and 20(a) of the Securities Exchange Act of 1934 (the "Exchange Act") and Rule 10b-5 promulgated thereunder.

SHAREHOLDER ALERT: Pomerantz Law Firm Reminds Shareholders with Losses on their Investment in Upstart Holdings, Inc. of Class Action Lawsuit and Upcoming Deadline - UPST

Is the company's loan volume about to go down as it makes changes to its algorithm?

Here's Why Upstart Stock Plunged 37% in June

Peloton

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The company has some strong growth catalysts, but the economy is a headwind.

1 Green Flag and 1 Red Flag for Upstart

Apple

The chances of a recession are creeping higher as interest rates rise, but falling into one is not guaranteed.

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Affirm

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Despite surging during the pandemic, Peloton shares are down a whopping 74% in 2022.

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San Francisco, California--(Newsfile Corp. - June 30, 2022) - Hagens Berman urges Upstart Holdings, Inc. (NASDAQ: UPST) investors with losses in excess of $500,000 to submit your losses now. A securities fraud class action has been filed and investors with significant losses may have the opportunity to lead the case.Expanded Class Period: Mar. 18, 2021 - May 9, 2022Lead Plaintiff Deadline: July 12, 2022Visit: https://www.hbsslaw.com/investor-fraud/UPST Contact An Attorney Now: UPST@hbsslaw.com ...

UPST INVESTOR FRAUD: Hagens Berman, National Trial Attorneys, Encourages Upstart Holdings, Inc. (UPST) Investors with $500,000+ Losses to Contact Firm's Attorneys, Securities Fraud Class Action Pending

Shares of Upstart Holdings are down more than 70% year to date. It's down, but not out.

Upstart Holdings CEO Dave Girouard Talks About the Company's Balance Sheet and More

BELLEVUE, Ohio & SAN MATEO, Calif.--(BUSINESS WIRE)--Firelands Federal Credit Union Selects Upstart to Power Personal Loans and Auto Refinance

Firelands Federal Credit Union Selects Upstart to Power Personal Loans and Auto Refinance

CrowdStrike

With a long-term mindset, investors can find great value in today's market environment.

3 Stocks I'm Buying During the Bear Market

New York, New York--(Newsfile Corp. - June 29, 2022) - WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of the securities of Upstart Holdings, Inc. (NASDAQ: UPST) between March 18, 2021 and May 9, 2022, inclusive (the "Class Period") of the important July 12, 2022 lead plaintiff deadline.SO WHAT: If you purchased Upstart securities during the Class Period you may be entitled to compensation without payment of any out of pocket...

ROSEN, National Trial Lawyers, Encourages Upstart Holdings, Inc. Investors with Losses to Secure Counsel Before Important July 12 Deadline in Securities Class Action - UPST

Did you lose money on investments in Upstart Holdings? If so, please visit Upstart Holdings, Inc. Shareholder Class Action Lawsuit or contact  Peter Allocco at (212) 951-2030 or pallocco@bernlieb.com to discuss your rights.

UPSTART HOLDINGS, INC. (NASDAQ: UPST) SHAREHOLDER CLASS ACTION ALERT: Bernstein Liebhard LLP Reminds Investors of the Deadline to File a Lead Plaintiff Motion in a Securities Class Action Lawsuit Against Upstart Holdings, Inc. (NASDAQ: UPST)

Recent comments from an analyst sent the stock tumbling.

Why Upstart Stock Is Falling Hard

Credit performance and interest rates, both tailwinds for Upstart Holdings Inc. (NASDAQ: UPST) in 2021, have transformed into headwinds in 2022. The Upstart Analyst: Morgan Stanley analyst James Faucette downgraded his rating for Upstart from Equal-Weight Underweight, while reducing the price.

Why Morgan Stanley Is 'Incrementally Negative' On Upstart

Upstart (UPST) stock is taking a beating on Wednesday after Morgan Stanley analyst James Faucette hit the shares with a downgrade. The post Upstart (UPST) Stock Drops 10% on Morgan Stanley Downgrade appeared first on InvestorPlace.

Upstart (UPST) Stock Drops 10% on Morgan Stanley Downgrade

Upstart Holdings Inc (NASDAQ:UPST) stock is plummeting this morning, thanks to several bearish analyst notes.

Struggling Upstart Stock Slammed by Bearish Analysts

Investors need to pay close attention to Upstart (UPST) stock based on the movements in the options market lately.

News for Upstart Holdings Stock (UPST)