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

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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

Marvell Technology

Block

Teladoc

Zoom Video

These five companies are still riding three secular growth trends.

5 Top Growth Stocks I'm Buying To Kick Off 2022

UPST stock is not for feint-of-heart investors, but management is executing well. Owning some for the long term makes sense once more.

The Weakness in Upstart Stock Is an Opportunity

C3.ai

Continental Resources

Devon Energy

GameStop

GoHealth, Inc.

Moderna

Paysafe

Peloton

StoneCo

GameStop, Upstart, Moderna, Devon Energy, and Continental Resources are the top stocks of the year. The bottom 5 are Peloton, GoHealth, Paysafe, C3.ai, and StoneCo.

The Top (and Bottom) 5 Stocks of 2021

Apple

NVIDIA

Cloudflare

Upstart, Apple, Nvidia and Cloudflare were our top stock trades for Wednesday. Let's look at how the charts are setting up now after a dip.

4 Top Stock Trades for Wednesday: AAPL, NVDA, UPST, NET

UPST stock has plummeted over the past month. While it may be due for a relief rally, shares are still overvalued from a longer-term view.

Upstart Shares Have Plunged, But Stay Away for Now

Duolingo

Latch

Stock selection could be key as we enter 2022, with uncertainty creeping into the market and opening the door to potential volatility.

3 Firecracker Stocks to Buy Now for the New Year

I offer an update to my ongoing Upstart thesis; with the severe drawdown we have seen over the last two months, it's worth taking a fresh perspective on this stock. The selloff was induced by a combination of sales deceleration on Q3 results, and a general high-growth sector rotation/drawdown.

Upstart: A Fresh Perspective Reveals Excellent Risk/Reward

Harley-Davidson

Lucid Group

Tesla

The S&P 500 index closed at a record high on Friday and premarket trading Monday morning indicated a higher opening.

Meme Stock Movers: Harley-Davidson, Lucid, Tesla, Upstart

APA Corporation

Asana

Coterra Energy

Disney

DocuSign

EOG Resources

Ford Motor Company

Diamondback Energy

Kosmos Energy

monday.com

ServiceNow

VanEck Vectors Oil Services ETF

Plains GP Hlds

PayPal

Tellurian

Twilio

Vector Group

SPDR S&P Biotech ETF

Xerox

SentinelOne

The Market is having crazy volatility, Does that mean retreat? No. What about inflation, What about soaring interest rates? Bad news? That isn't the message of the market.

I Spy With My Big Eagle Eye Some Stocks I May Want To Buy

ARK Innovation ETF

Becton, Dickinson and Co.

Colgate-Palmolive

DermTech Inc

We review 5 top stock ideas that have been created by the Fed's tomfoolery (3 are pure-growth stocks and 2 are dividend-growth stocks). We also discuss a big reason why cryptocurrency popularity continues to grow (hint: more Fed tomfoolery).

Fed Tomfoolery: 5 Top Stocks - 3 Pure-Growth, 2 Dividend-Growth

With its stock trading about 60% off 52-week highs, now might be a perfect time to buy Upstart.

2 Reasons I Love Upstart Stock Today

UiPath

Investors are flocking to these artificial intelligence stocks as AI continues to permeates our daily lives.

5 Artificial Intelligence Stocks To Watch In December 2021

The shares of Upstart Holdings Inc (NASDAQ: UPST) have received a $200 price target from Morgan Stanley. These are the details.

Upstart Holdings Stock (UPST): $200 Price Target From Morgan Stanley

Upstart (UPST) is ripe for a buy today with a couple of key support levels ready to maintain its buoyancy, following an overdone sell-off last month.

Upstart (UPST): A Fintech Investment To Act On Today

The selloff in UPST stock after a positive earnings report is clearly overdone. Turmoil in the markets creates long-term opportunities.

Upstart Stock Is Oversold Following an Analyst Downgrade, So Buy It Now

WASHINGTON & SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart and The National Bankers Association Partner to Provide AI Lending Technology for Minority-Owned Banks

Upstart and the National Bankers Association Partner to Provide AI Lending Technology for Minority-Owned Banks

Cohu

As 2021 draws to a close, it's a great time to position for the new year -- especially given the steep discounts in some tech stocks.

2 Growth Stocks to Buy for a Happy New Year

Upstart is currently sitting -56% from all-time highs at the time of writing this article.

Upstart: Potentially Attractive Tactical Entry

Microsoft

Palantir Technologies

Will tech stocks continue to lead the current rally in the stock market?

Best Stocks To Invest In Right Now? 4 Tech For Your Watchlist

OMAHA, Neb. & SAN MATEO, Calif.--(BUSINESS WIRE)--First National Bank of Omaha Expands Personal Loans Powered by Upstart

First National Bank of Omaha Expands Personal Loans Powered by Upstart

Semrush Holdings

These two stocks that have been hammered are now sitting at attractive prices.

2 Monster Growth Stocks That Are Steals Right Now

Katapult Holdings

LendingClub

After a brutal month for the broader fintech sector, investors have started to pile back into it.

Why Shares of Upstart, Katapult, and LendingClub Rose Today

This young company is bringing artificial intelligence to bear on lending decision-making, but the tech pullback has pummeled its stock.

News for Upstart Holdings Stock (UPST)