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.

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Cost of revenue

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EBITDA

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Inventory

Non-current assets

Net PPE

Intangibles

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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

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Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

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Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Upstart has returned 15x since its IPO, and there's an argument that there's much more upside to come.

Upstart Stock: Is It Too Late To Buy After Breaking $350 Levels? Why I Am Moving To The Sidelines

UPST stock looks over 35% undervalued given the anticipated growth in Upstart Holdings' unique referral platform. The post Upstart Holdings' Unique Business Model Could Be Worth $415 appeared first on InvestorPlace.

Upstart Holdings' Unique Business Model Could Be Worth $415

FARMINGTON, N.M. & SAN MATEO, Calif.--(BUSINESS WIRE)--Four Corners Community Bank Selects Upstart for Personal Lending

Four Corners Community Bank Selects Upstart for Personal Lending

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Jefferies still likes Upstart -- it just worries the stock is starting to look a wee bit expensive.

Why Upstart Stock Just Went Down Instead

Upstart is doing quite well, but UPST stock could be heading for a sharp correction at some point down the road. The post Upstart Is a Great Company With a Very High Valuation appeared first on InvestorPlace.

Upstart Is a Great Company With a Very High Valuation

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A big-bank analyst double downgrade is just one sign that too much future success has already been priced into UPST stock. The post Fear the Wild Rally and Keep Your Distance from Upstart appeared first on InvestorPlace.

Fear the Wild Rally and Keep Your Distance from Upstart

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Now's the time to add these fundamentally strong growth stocks to your portfolio.

Here Are My Top Growth Stocks to Buy in October

On Monday, Upstart Holdings Inc. (NASDAQ:UPST) shares declined by 4% after receiving a double-downgrade from BofA. Analyst Nat Schindler downgraded UPST shares to sell from outperform.

Should you buy or sell Upstart shares after BofA's double-downgrade?

Is (UPST) Outperforming Other Computer and Technology Stocks This Year?

Is Upstart Holdings (UPST) Stock Outpacing Its Computer and Technology Peers This Year?

Berkshire Hills Bancorp

BOSTON, Oct. 18, 2021 /PRNewswire/ -- Berkshire Hills Bancorp, Inc. (NYSE: BHLB), the parent company of Berkshire Bank, a socially responsible community-dedicated bank with branch locations in New England and New York, announced that the Bank has entered into a partnership with Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform designed to improve access to affordable credit while reducing the risk and costs of lending.  Berkshire Bank will expand consumer lending options via a seamless, digital experience enabled by Upstart's lending platform and the Upstart Referral Network.

Berkshire Hills Bancorp Announces Partnership with AI Lending Platform Upstart

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Rule Breaker Investing's September mailbag.

The Art of the Mailbag

Upstart Holdings Inc's (NASDAQ:UPST) stock has appreciated by more than 787% year-to-date, and the company's near-term upside potential already seems priced in, according to BofA Securities. The Upstart Holdings Analyst: Nat Schindler downgraded Upstart Holdings from Buy to Underperform and raised the price target from $200 to $300.

BofA Double Downgrades Upstart, Raises Price Target: What You Need To Know

The stock price of Upstart Holdings Inc (NASDAQ: UPST) fell by over 3% during intraday trading today. This is why it happened.

UPST Stock: Why It Fell Today

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Shares of Upstart Holdings Inc. UPST, -3.38% are off 3.6% in Monday morning trading after Bank of America analyst Nat Schindler downgraded the stock two notches, to underperform from buy, writing that he sees "little room for upside" with shares up roughly 800% on the year. The S&P 500 SPX, +0.26% has gained about 19% so far in 2021.

Upstart stock drops after double downgrade

Upstart's share price has exploded since my last article in May based on very strong fundamentals and a market that has finally woken up to the potential of AI lending. I believe that we are witnessing a tipping point for the company and that it will continue to outperform the market's expectations.

Is Upstart Still A Buy Above $390?

With a multibagger in the making in hindsight, I'm here to make the case that UPST still makes for a compelling investment opportunity at the current prices.

Upstart: Worth It At The Current Price

Upstart (UPST) stock is catching the eye of investors on Friday with heavy trading as they look for the shares to reach $400. The post UPST Stock: 6 Things to Know About Upstart as Investors Hope for $400 appeared first on InvestorPlace.

UPST Stock: 6 Things to Know About Upstart as Investors Hope for $400

Upstart shares have seen strong appreciation over the past several months. The appreciation has been based on quarters that have well exceeded expectations in terms of revenue and profitability as well as higher expectations for sustained growth.

News for Upstart Holdings Stock (UPST)