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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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.

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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 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

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Upstart Holdings Has What It Takes to Be a Top AI Company

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Report First Quarter 2021 Earnings on May 11, 2021

Upstart to Report First Quarter 2021 Earnings on May 11, 2021

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Mohawk Group and Upstart are using artificial intelligence to disrupt two massive industries -- retailing and finance. How valuable will these first movers be?

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SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Closing of Follow-on Offering and Full Exercise of the Underwriters' Option to Purchase Additional Shares

Upstart Announces Closing of Follow-on Offering and Full Exercise of the Underwriters' Option to Purchase Additional Shares

This AI-enhanced personal lender is jump-starting its entry into the auto lending market.

Is Upstart the Growth Stock for You?

SAN MATEO, Calif.--(BUSINESS WIRE)--First Financial Bank Launches Personal Loans Powered by Upstart

First Financial Bank Launches Personal Loans Powered by Upstart

Upstart is a lending platform that leverages AI and 1,600-plus variable inputs to determine creditworthiness, instead of, for example, using a credit score to determine creditworthiness. Upstart has two primary business segments: 1) A consumer-facing business, where it creates loans based on its AI lending platform via a partnership with a handful of banks.

Upstart: Retooling The World's Credit Systems

Here's why Upstart's data-focused approach is such a big differentiator.

What Is Upstart's Big Lending Advantage?

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This fintech giant is eyeing a giant market that is just begging to be disrupted.

Upstart's $1.4 Trillion Market Opportunity

Why is this lending company one of the best performers in the stock market this year?

This Fintech Has Already Tripled in 2021 -- Here's Why

Upstart has risen over 500% since their IPO price at $20.

Upstart: Fintech Started Too Hot

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Pricing of Follow-on Offering

Upstart Announces Pricing of Follow-on Offering

Upstart is cashing in on its big stock rally with 3% stock dilution.

Why Upstart Stock Crashed Today

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SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Follow-on Offering

Upstart Announces Follow-on Offering

Investors piled in after Upstart's first quarterly financial release as a public company.

Why Upstart Holdings Stock Nearly Doubled in March

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News for Upstart Holdings Stock (UPST)