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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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

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Operating Expenses

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

Earnings data Q2 2021

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Earnings data Q1 2022

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Earnings data Q1 2023

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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, a data-driven AI company, has been met with lots of excitement since its IPO in December 2020. After guiding for over 150% growth in revenue for 2021, Upstart has been able to absolutely smash recent earnings estimates.

Upstart Is Up 400% Since IPO, But I'm Still Interested

If you haven't heard of Upstart Holdings (NASDAQ:UPST) yet, don't worry you're not alone.

What does Upstart Holdings do?

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Is the Options Market Predicting a Spike in Upstart Holdings (UPST) Stock?

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Upstart, a pure-play in Artificial Intelligence, is a fairly new IPO and has brought early investors huge gains so far. The company has already reported two blowout earnings reports that have smashed analysts' expectations. Upstart is guiding for 157.5% growth in 2021.

Why Upstart Is Cheap Right Now

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WEST READING, Pa. & SAN MATEO, Calif.--(BUSINESS WIRE)--Customers Bank Expands Consumer Installment Loan Program with Upstart

Customers Bank Expands Consumer Installment Loan Program With Upstart

This lending technology specialist is ramping up its sales in a big way this year.

3 Reasons Upstart's Rapid Growth In Q1 2021 Is for Real

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Upstart, Opendoor, Yeti, Alibaba and AMC Entertainment were our top stock trades for Thursday. Let's look at what the charts are suggesting.

5 Top Stock Trades for Thursday: UPST, OPEN, YETI, BABA, AMC

The shares of Upstart Holdings Inc (NASDAQ: UPST) have received a price target increase from $143 to $152 by Piper Sandler. These are the details.

UPST Stock: $152 Target By Piper Sandler

Upstart is an AI-driven lending platform that enables easier access to credit for consumers, while automating and reducing risk for banks.

Upstart: Why I Am Buying After Earnings

ShotSpotter

Positive results have investors excited about these two companies.

Why Upstart and ShotSpotter Bucked the Nasdaq's Downtrend

The fintech lender gave investors a big reason to smile.

Here's Why Upstart Stock Is Soaring While Most Stocks Are Falling

The stock price of Upstart Holdings Inc (NASDAQ: UPST) increased by over 19% pre-market. This is why it happened.

UPST Stock: Over 19% Increase Pre-Market Explanation

Upstart Holdings, Inc. (UPST) CEO Dave Girouard on Q1 2021 Results - Earnings Call Transcript

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces First Quarter 2021 Results

Upstart Announces First Quarter 2021 Results

High sales growth, a huge market, and a unique platform mean this company is positioned to gain.

Buy This Stock Before Wall Street Discovers It

Upstart is an Artificial Intelligence Lending Platform. It aims to disrupt traditional credit-risk assessment procedures and offers better value propositions for both borrowers and lenders. The central advantage of the company is its AI; The AI has trained over 10 million repayment instances over 8 years; the accuracy keeps improving as time goes by.

Upstart: Kicking Into Hyper-Growth

After an explosive previous month, the stock came down in April for two reasons.

Why Upstart Holdings Stock Dropped 15% in April

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

Has Upstart Holdings (UPST) Outpaced Other Computer and Technology Stocks This Year?

SAN MATEO, Calif., April 28, 2021 /PRNewswire/ -- Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced Drummond Community Bank, a premier institution serving Florida communities since 1990, has partnered with Upstart to provide personal and auto loans to better serve their customers and community.

Drummond Community Bank Selects Upstart for Personal and Auto Lending

StoneCo

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News for Upstart Holdings Stock (UPST)