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.

Revenue

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

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3 Most-Shorted Stocks With Earnings Catalysts to Buy

Fintech play Upstart is reporting earnings on Monday, May 9. Here's why UPST stock is particularly interesting in today's economy.

Buy Upstart Ahead of Its First Quarter Earnings

The financial technology company announced two new partnerships this week.

Why Upstart Stock Is Up 18% This Week

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Why Upstart Stock Tanked 31% in April

SAN ANTONIO & SAN MATEO, Calif.--(BUSINESS WIRE)--Firstmark Credit Union Selects Upstart for Personal Lending

Firstmark Credit Union Selects Upstart for Personal Lending

Visa

There are many attractive picks in the fintech space. Upstart and Visa both could be attractive, but for different kinds of investors.

Upstart Vs. Visa Stock: Which Is The Better Buy?

Affirm

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Why Have FinTech Stocks Suffered?

Artificial intelligence (AI) lending platform Upstart will be debuting Upstart AI Lending for Salesforce, which will bring AI-based lending to the financial services industry, a press release said Wednesday (May 4). This service, available on the enterprise cloud marketplace Salesforce AppExchange, will let bank and credit union staff offer AI-enabled digital lending for customers, either […]

Upstart Debuts AI Lending Platform on Salesforce AppExchange

Upstart is a Fintech company with a unique proposition due to its automated lending platform. It has strong growth prospects due to an enlarged product offering, more banking partners joining its platform, and potentially internationalization of its business.

Upstart Is A Buy On Strong Growth Prospects And Reasonable Valuation

Upstart has almost everything you want in a growth stock - high growth, great margins, profitability, and a buyback program. Upstart continues to go from strength to strength in execution.

Upstart: Everything You Want In A Growth Stock

The artificial-intelligence-focused lender announced a new partnership with Salesforce.

Why Upstart Is Rising Today

The environment is as bearish as it was bullish in UPST stock, when forecasts of $1,000 were declared at its peak valuation. The post Upstart Stock Is an Attractive Buy in Front of Earnings appeared first on InvestorPlace.

Upstart Stock Is an Attractive Buy in Front of Earnings

Upstart is a small fintech company focused on using AI to automate the loan approval process. The company has experienced rapid growth, leading to a blow off top in 2021. The froth has come out of the stock, leaving a buying opportunity for long-term investors.

Upstart: Huge Upside For This Rapidly Growing Fintech

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Upstart will be reporting its highly anticipated Q1 results on May 9. Unfortunately, the market has been betting that Upstart will likely disappoint. Macro headwinds and rising delinquency rates have affected UPST stock momentum.

Upstart: The Market Is Betting Its Q1 Earnings Could Disappoint

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News for Upstart Holdings Stock (UPST)