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 Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

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Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 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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EBITDA

Net income

Earnings per share

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Net PPE

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Total liabilities

Current liabilities

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Income tax payable

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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

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Cash from financing

Change in stock

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Cash from other sources

Net change in cash

Free cash flow

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.

Is the Options Market Predicting a Spike in Upstart (UPST) Stock?

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Are These Stocks, Down More Than 80%, Worth Buying?

San Francisco, California--(Newsfile Corp. - June 28, 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

UPST CLASS ACTION: 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

LAKELAND, Fla. & SAN MATEO, Calif.--(BUSINESS WIRE)--MIDFLORIDA Credit Union Selects Upstart for Personal Lending

MIDFLORIDA Credit Union Selects Upstart for Personal Lending

Grupo Aeroportuario del Sureste SAB de CV

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7 Top Stocks to Buy and Hold

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I've become a staunch member of the keep-it-simple, less-is-more camp.

How I'd Invest $5,000 Today If I Had to Start From Scratch

New York, New York--(Newsfile Corp. - June 27, 2022) - The Law Offices of Vincent Wong announce that a class action lawsuit has commenced in the on behalf of investors who purchased Upstart, Inc. ("Upstart") (NASDAQ: UPST) between March 18, 2021 and May 9, 2022.If you suffered a loss, contact us at the link below. There is no cost or obligation to you.https://www.wongesq.com/pslra-1/upstart-inc-loss-submission-form?prid=29265&wire=5

UPST LAWSUIT: The Law Offices of Vincent Wong Notify Investors of a Class Action Lawsuit Involving Upstart, Inc.

New York, New York--(Newsfile Corp. - June 27, 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, Top Ranked Investor Counsel, Encourages Upstart Holdings, Inc. Investors with Losses to Secure Counsel Before Important Deadline in Securities Class Action - UPST

This is a dedicated price action analysis of Upstart stock. We posited that it could likely consolidate at its May bottom. The price action has played out accordingly. Furthermore, its June bottom also avoided breaking below May's lows, which is constructive. However, we caution that a steeper sell-off cannot be ruled out before forming a bear trap.

Upstart: Washed Out Levels, Undemanding Valuations

New York, New York--(Newsfile Corp. - June 26, 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, A LEADING LAW FIRM, Encourages Upstart Holdings, Inc. Investors with Losses to Secure Counsel Before Important Deadline in Securities Class Action - UPST

NEW YORK , June 24, 2022 /PRNewswire/ --  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 fees or costs through a contingency fee arrangement.

ROSEN, GLOBAL INVESTOR COUNSEL, Encourages Upstart Holdings, Inc. Investors with Losses to Secure Counsel Before Important Deadline in Securities Class Action - UPST

Upstart stock isn't for the fainthearted, but it offers major upside potential for investors with some risk appetite.

Where Will Upstart Be In 10 Years?

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These stocks are all down by 50% or more from their highs and could be great long-term investments.

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San Francisco, California--(Newsfile Corp. - June 23, 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

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

Affirm

Marqeta

In today's note, we will discuss a recent Leaders in Lending Podcast brought to you by Upstart. Marqeta's Chief Technology Officer joined the podcast and discussed the innovation taking place within payments that ultimately leads to better customer experiences and better business experiences.

The Paradigm Shift In Payments: Creating Better Experiences For Everyone

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Growth stocks generally have a high level of earnings and are expected to grow at a fast pace. And these seven look like good investments.

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Rising rates have not been good for Upstart.

Is Upstart in Trouble After the Fed's Monster Rate Hike?

Nu Holdings

Stocks were rebounding after plunging sharply last week.

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

Houston, Texas--(Newsfile Corp. - June 21, 2022) -  Treyner, a technology upstart based in Houston, Texas, has launched a new product that is set to revolutionize the way people learn to play the guitar. The Bluetooth-enabled Treyner G112 gadget attaches to the guitar and works in conjunction with an app to provide real-time feedback as users play, helping them to improve their skills more quickly."The goal of Treyner is to make guitar learning more fun...

Technology Upstart Treyner Launches New Gadget to Help People Learn Guitar

ServiceNow

Snap

Snowflake

Trade Desk

Twilio

Zscaler

These seven growth stocks should continue expanding their businesses despite the pressures exerted by the macro-economic forces. The post 7 Red-Hot Growth Stocks That Will Outrun a Recession appeared first on InvestorPlace.

News for Upstart Holdings Stock (UPST)