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.

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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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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

Rising interest rates could curtail demand for new loans.

Here's Why Upstart Stock Crashed Today

"All else being equal, I prefer [if] our stock was going up. But the fundamentals of our business has not changed," Upstart CEO told Cramer.

Upstart CEO defends increased loan balance, says the AI lending platform's model hasn't changed

Models are only as good as the data they're trained on.

Here's Why I Won't Buy Upstart Stock

Upstart Holdings Inc (NASDAQ:UPST) is down 56.2% to trade at $33.82 at last check, after the company issued a disappointing current-quarter revenue forecast, which cast a shadow on better-than-expected first-quarter results.

Options Traders, Analysts Swarm Plummeting AI Stock

The cloud-based AI lending platform had a robust quarter, but its guidance caused a run on the bank.

Down 60% Today, Is Upstart Stock a Buy After Its Spectacular Fall from Grace?

Shares of Upstart had fallen close to 60% after the company reported recent earnings results. Is this a buying opportunity?

Upstart's Stock Just Crashed. Buy the Dip?

Affirm

Shares of Affirm Holdings Inc. were tumbling in midday trading Tuesday after a fellow financial-technology company delivered what one analyst saw as an ominous sign for fintech businesses dependent on capital markets.

The Ratings Game: Affirm stock skids as Upstart anxiety weighs on fintech sector

Upstart Holdings Inc (NASDAQ: UPST) reported better-than-expected first-quarter results on Monday after the bell. However, shares of the AI consumer lending company tumbled more than 40% as management slashed the 2022 revenue forecast to $1.25 billion.

Why This Analyst Remains Bullish On Upstart Holdings, While Others Cut Their Ratings

This swoon leaves investors questioning the risk tolerance of the loan provider--and maybe of their investment portfolios in general.

Should Investors Write-Off Upstart Following Its 60% Plunge?

In this economy, staring down a possible recession, we'll see if the disruptors to traditional lending wind up being disrupted themselves. At this writing, shares in Upstart Holdings are being cut roughly in half — on a day when the markets are soaring, generally speaking.

Upstart Signals Turbulence for AI-Driven Lending Models, and Lower FICO Score Borrowers

"Given the hawkish signals from the Fed, we anticipate prices will move even higher later this year," the loan company said in its earnings report.

Upstart plummets 52% as the consumer lending platform points to recession risks and cuts its full-year outlook

Upstart (UPST) stock is falling hard on Tuesday following the release of its earnings report for the first quarter of 2022. The post Why Is Upstart (UPST) Stock Plunging 60% Today?

Why Is Upstart (UPST) Stock Plunging 60% Today?

UPST stock is a buy-low, sell-high pick as Upstart makes deals with multiple credit unions and an enterprise cloud powerhouse. The post Bet on a Heavily Favored Lending Platform with Upstart Stock appeared first on InvestorPlace.

Bet on a Heavily Favored Lending Platform with Upstart Stock

Shares of Upstart Holdings Inc. could lose more than half their value in Tuesday's session after the lending company reduced its full-year forecast in the face of macroeconomic dynamics.

The Ratings Game: Upstart stock could shed more than half its value as earnings highlight ‘perfect storm of headwinds'

Upstart Holdings Inc (NASDAQ: UPST) shares are trading significantly lower Tuesday after the company reported financial results and issued full-year guidance below analyst estimates. Several analysts also downgraded and lowered price targets on the stock.

Why Upstart Shares Are Getting Cut In Half Today

The Upstart (NASDAQ: UPST) stock price has crashed as investors focus on the company's results and forward guidance. The shares plummeted by more than 50% to about $36, which is lower than its Monday's close of $77.

Upstart stock price forecast after falling like a rock

Shares of Upstart plummeted Tuesday after the consumer lending platform cut its full-year revenue outlook.

A.I. lender Upstart shares plummet 55% after company cuts full-year revenue forecast

The artificial-intelligence lending company slashes its full-year revenue outlook, noting the possibilities of a recession.

Upstart Stock Plunges as Full-Year Revenue Outlook Is Cut

Upstart Holdings Inc. (NASDAQ:UPST ) Q1 2022 Earnings Conference Call May 9, 2022 4:30 PM ET Company Participants Jason Schmidt - Vice President, Investor Relation David Girouard - Co-Founder, President, CEO and Chairperson of the Board Sanjay Datta - CFO Conference Call Participants Ramsey El-Assal - Barclays Pete Christiansen - Citi Simon Clinch - Atlantic Equities Andrew Boone - JMP Securities Vincent Caintic - Stephens Mike Ng - Goldman Sachs David Chiaverini - Wedbush Securities Arvind Ramnani - Piper Sandler Shebly Seyrafi - FBN Securities Sandy Beatty - Morgan Stanley Nat Schindler - Bank of America Operator Good day, ladies and gentlemen, and welcome to the Upstart Q1 Fiscal Year 2022 Earnings Call. Today's call is being recorded.

Upstart Holdings Inc. (UPST) CEO David Girouard on Q1 2022 Results - Earnings Call Transcript

Upstart Holdings, Inc. (UPST) delivered earnings and revenue surprises of 17.31% and 2.49%, respectively, for the quarter ended March 2022. Do the numbers hold clues to what lies ahead for the stock?

Upstart Holdings, Inc. (UPST) Q1 Earnings and Revenues Beat Estimates

Upstart Holdings Inc (NASDAQ: UPST) stock tanked more than 40% in extended trading on disappointing guidance for the full year. Its current quarter results, however, topped Street estimates.

Upstart stock just plummeted 40%: here's what you should know

Upstart Holdings Inc (NASDAQ: UPST) shares were trading lower by 41.77% to $44.91 during Monday's after-hours session after the company announced first quarter results and gave second quarter and FY22 sales guidance below analyst estimates. Upstart reported quarterly earnings of 61 cents.

Why Upstart Shares Are Falling During Monday's After-Hours Session

Shares of Upstart Holdings Inc. plunged 35% in after-hours trading Monday after the company, which uses artificial intelligence in lending decisions, topped expectations with its most recent results but cut its forecast for the full year.

Earnings Results: Upstart stock plunges 35% after earnings as company cuts outlook

ARK Innovation ETF

Palantir Technologies

AMC Entertainment

The ARKK fund, AMC Entertainment, Palantir and Upstart Holdings were our top stock trades for Tuesday. Let's look at the charts now.

4 Top Stock Trades for Tuesday: ARKK, AMC, PLTR, UPST

SAN MATEO, Calif.--(BUSINESS WIRE)--UPST Q1'22 Earnings Press Release

News for Upstart Holdings Stock (UPST)