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

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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

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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 seeks to make credit better through the use of machine learning and artificial intelligence.

Buy Upstart, An AI Leader In Lending

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced KEMBA Financial Credit Union, the Columbus, Ohio based credit union, has expanded its personal loan program with Upstart to better serve its community. To strengthen its digital offerings and help more members fulfill their goals, KEMBA partnered with Upstart beginning in December 2019 to identify and serve creditworthy borrowers within its community. Through the

KEMBA Financial Credit Union Expands Upstart Personal Loan Program

Bank of America

We talk about a recent and upcoming fintech IPO, and more.

2 Fintech IPOs to Watch

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced that Oriental Bank, a subsidiary of OFG Bancorp and one of the largest banks in Puerto Rico, has selected Upstart's Credit Decision API (application programming interface) to deliver faster credit decisions and more accurately price auto loans for applicants on its online banking site. Upstart's Credit Decision API will provide Oriental Bank with complete authorit

Oriental Bank Selects Upstart's Credit Decision API

Upstart Holdings (UPST) stock is on the rise Tuesday despite a lack of news from the recently-made-public AI lending company. The post Upstart Holdings: 12 Things for Potential UPST Stock Investors to Know About the AI Lending Play appeared first on InvestorPlace.

Upstart Holdings: 12 Things for Potential UPST Stock Investors to Know About the AI Lending Play

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Conventional wisdom says that insiders and 10% owners really only buy shares of a company for one reason — they believe the stock price will rise and they want to profit from it. So insider buying can be an encouraging signal for potential investors, particularly when there is uncertainty in the markets, as there has been due to the pandemic resurgence and political issues.

Notable Insider Buys In The Week Of Christmas: Foot Locker, GameStop, NetApp And More

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (“Upstart”) (Nasdaq: UPST) announced today the closing of its initial public offering of its common stock at a price to the public of $20.00 per share, which includes 9,000,000 shares offered and sold by Upstart, 3,015,690 shares offered and sold by the selling stockholders and the full exercise of the underwriters' option to purchase 1,802,353 shares from certain selling stockholders. Upstart did not receive any proceeds from the sale

Upstart Announces Closing of Initial Public Offering and Full Exercise of the Underwriters' Option to Purchase Additional Shares

The Fintech company that is changing the way banks look at consumer credit worthiness, displacing the currently antiquated regime.

Upstart (UPST): Fresh Fintech IPO With Enormous Potential

Upstart Holdings: Off To A Modest Start

Upstart, which works to partner banks with customers looking for loans, saw its shares surge 30 percent upon its public debut Wednesday (Dec. 16), according to a report from MarketWatch. The first trade went for $26 on the Nasdaq, which was at the lower end of Upstart's predicted range, and the company was able to […]

Shares Of Lender Upstart Gain 47 Pct After IPO

"To me a SPAC feels like reaching the next level of a video game and handing the joystick to somebody else," said Upstart CEO Dave Girouard.

Former Google exec explains why he didn't use a SPAC to take his company Upstart public

Upstart Holdings Inc. shares shot up more than 25% in midday trading Wednesday as the lending company made its public debut.

IPO Report: Upstart stock soars after IPO

Lending company Upstart Inc. is looking to capitalize on a wave of enthusiasm for the financial technology sector as it heads for the public markets.

IPO Report: Upstart prices IPO at $20, for market cap of $1.45 billion

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (“Upstart”) announced today the pricing of its initial public offering of its common stock at a price to the public of $20.00 per share. Upstart is offering 9,000,000 shares of its common stock and selling stockholders are offering 3,015,690 shares of its common stock. The shares are expected to begin trading on the Nasdaq Global Select Market on December 16, 2020 under the symbol “UPST.” The offering is expected to close on December 18

Upstart Announces Pricing of Initial Public Offering

News for Upstart Holdings Stock (UPST)