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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Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Sales and marketing

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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 Q1 2022

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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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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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CEO Dave Girouard got $14.5 million in UPST stock options and awards. But if its earnings report doesn't sing, Upstart could see losses.

Upstart Is in Trouble if It Can't Prove Its CEO Is Worth His Income

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LendingClub

Solid earnings reports drove these stocks higher, but economic uncertainty remains.

Why Upstart, LendingClub, and Customers Bancorp Are Rising Today

The future performance of one of Upstart's asset-backed securities could be important for the stock.

1 Potentially Huge Catalyst Is Coming for Upstart -- and It's Not Earnings

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Upstart's technology replaces loan officers with algorithms, making it a likely winner once the market turns around. Analysts have been wrong about UPST stock so far in 2022, but the fintech is growing fast and profitably.

Keep Upstart on Your Buy List for When Stocks Rally Again

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Investors need to weigh short-term risks due to rising interest rates against Upstart's long-term potential.

Is Upstart Stock a Buy After Falling Nearly 50% So Far This Year?

Some high-growth stocks were rebounding following yet another brutal sell-off.

Why Upstart Stock Was Rallying Nearly 5% Higher Today

The online lending platform was doing great after its IPO -- until the market took a turn for the worse.

Where Will Upstart Holdings Be in 3 Years?

NEW YORK--(BUSINESS WIRE)-- #KBRA--KBRA assigns a preliminary rating to one class of notes issued by Upstart Structured Pass-Through Trust, Series 2022-2A (“USPTT 2022-2A”), a $112.026 million consumer loan ABS transaction. The rating reflects initial credit enhancement of 30.00%. Credit enhancement consists of overcollateralization and excess spread. This transaction represents the 37th ABS securitization collateralized by unsecured consumer loans originated through the online platform operated by Ups

KBRA Assigns a Preliminary Rating to Upstart Structured Pass-Through Trust, Series 2022-2A

UPST stock is proving very volatile as analysts sour on its prospects and pile on with price downgrades as the economy shifts. The post Upstart Stock Is Getting a Dose of Reality With Another Downgrade appeared first on InvestorPlace.

Upstart Stock Is Getting a Dose of Reality With Another Downgrade

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With the stock down by more than 75% over the past six months, this fintech looks like an excellent buy-and-hold investment.

Why Upstart's High Profitability Is Highly Unusual

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Shares of Upstart Fell Today

Strong demand for Upstart's products and an improving macro picture help make the outlook of UPST stock attractive. The post Upstart Stock Will Reward Patient Investors appeared first on InvestorPlace.

News for Upstart Holdings Stock (UPST)