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

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

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

Upstart Holdings, Inc. (UPST) reachead $23.12 at the closing of the latest trading day, reflecting a +0.78% change compared to its last close.

Upstart Holdings, Inc. (UPST) Outperforms Broader Market: What You Need to Know

Upstart has been experiencing elevated volatility due to lower confidence in interest rate cuts. Growth has disappeared due to capital constraints, but management continues to focus on cost discipline. The stock is attractively priced assuming an eventual reduction in interest rates.

Upstart: A Coiled Spring Waiting For Lower Interest Rates (Rating Upgrade)

Upstart (UPST) partners with PriorityONE to provide an improved digital personal lending experience with affordable credit for the latter's community.

Upstart (UPST) to Enhance PriorityONE's Digital Lending System

SUNRISE, Fla. & SAN MATEO, Calif.--(BUSINESS WIRE)--PriorityONE Credit Union of Florida Selects Upstart for Personal Lending.

PriorityONE Credit Union of Florida Selects Upstart for Personal Lending

Upstart uses artificial intelligence (AI) to make lending decisions.

Upstart Stock Is Down 94%. Is It Finally Time to Buy?

SoFi Technologies

Visa

Online bank SoFi Technologies is leading the charge when it comes to this new banking norm. Credit card powerhouse Visa is finding new ways to spur card-based spending, giving it new growth to tap into.

3 No-Brainer Money-Related Stocks to Buy Right Now for Less Than $500

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Report First Quarter 2024 Earnings on May 7, 2024.

Upstart to Report First Quarter 2024 Earnings on May 7, 2024

JACKSONVILLE, Fla.--(BUSINESS WIRE)--LawFi, Inc., (“LawFi”) a pioneering Legal Fintech Lender and the Inventor of the “Legal Fee Loan” is pleased to announce the addition of Mr. Jeff Keltner to our growing team. Mr. Keltner has signed on as an Advisor to help guide our highly experienced teams. Jeff Keltner is an innovative digital lending veteran, formerly of Upstart (Nasdaq: UPST), a leading artificial intelligence (AI) lending platform designed to improve access to affordable credit while re.

Former Upstart Founding Executive, Jeff Keltner, Joins LawFi as Strategic Advisor

ARMOUR Residential REIT

British American Tobacco

The old saying “what goes down must come back up again” has numerous counterpoints if applied to the stock market. Many believe that mean-reversion is inevitable.

Bearish Blades: 3 Falling Knives to Dodge in 2024

Upstart (UPST) partners with Kaua'i Federal Credit Union to enhance the personal lending experience of the latter's new and existing customers.

Upstart (UPST) to Install Digital Lending Solution for Kaua'i FCU

Hanover Bancorp Inc/NY

B. Riley Financial

This article examines some of the most shorted financial stocks on the market. More specifically, we're looking at financial stocks short sellers are targeting that you may want to sell before it's too late.

3 Financial Stocks Short Sellers Are Banking On to Fail

LIHUE, Hawaii & SAN MATEO, Calif.--(BUSINESS WIRE)--Kaua'i Federal Credit Union Selects Upstart for Personal Lending.

Kaua'i Federal Credit Union Selects Upstart for Personal Lending

Data Storage Corp

Mitek Systems

Unless you've been living under a rock, you must know that artificial intelligence (AI) stocks have been the hottest investments over the past year. It seems every month another AI-related company is soaring to new highs as investors scramble to get a piece of the action.

3 Millionaire-Maker AI Stocks to Buy for Multibagger Gains

AmpliTech Gr

Gigacloud Tech

T Stamp

Klaviyo, Inc. 

Symbotic Inc

AI stocks have been on a tear recently, with Nvidia (NASDAQ: NVDA ) once again breaking records and crossing above $950 per share. However, as I've cautioned many times before, this is a stock that investors need to be very careful with at these levels.

7 AI Stocks That Will Trounce Nvidia's Returns in 2025

SunPower

Volcon

Short-sellers have lost a fortune this year as American equities have continued soaring. The Nasdaq 100 and S&P 500 indices have surged to a record high and analysts expect that this trend may continue this year.

Shorts prevail as SunPower, Volcon, Upstart (UPST) stocks plunge

Affirm

Coinbase

Main Street Capital

New York Community Bancorp

Pacific Premier Bancorp

There are plenty of names to include on any list of financial stocks to sell, but this is not only because of the latest news from the Federal Reserve regarding its plans with interest rates. As I've argued previously, “higher for longer” rates are bad news for financial stocks in two ways: reduced loan demand and squeezed net interest margins.

7 Sorry Financial Stocks to Sell in March While You Still Can

In the closing of the recent trading day, Upstart Holdings, Inc. (UPST) stood at $26.34, denoting a -0.83% change from the preceding trading day.

Upstart Holdings, Inc. (UPST) Stock Falls Amid Market Uptick: What Investors Need to Know

WILMINGTON, Ohio & SAN MATEO, Calif.--(BUSINESS WIRE)--Liberty Savings Bank Selects Upstart for Personal Lending.

Liberty Savings Bank Selects Upstart for Personal Lending

NVIDIA

PayPal

Riot Blockchain

Block

Upwork Inc

There are seven disruptive stocks that should be on every investor's radar. These companies are pioneering innovative technologies and business models that have the potential to change traditional industries and create massive new markets.

7 Stocks That Are Making Traditional Industries Tremble

Apple

Alphabet

Microsoft

The AI-revolution is in its early innings, but innovation and disruption are increasing dramatically. For investors, it is important to track the industry climate, as often, these innovations lead to the next big stock market winners.

3 of the Latest (& Most Important) AI Innovations

Upstart Holdings' sales trends are improving compared to the beginning of 2023. The central bank's rate-cutting cycle could be a catalyst for a re-rating of Upstart Holdings' stock in 2024. Upstart Holdings is poised to profit from the central bank's rate-cutting cycle due to the interest rate sensitivity of its lending business.

Upstart Holdings: A No-Brainer Buy Before The Fed Shift Kicks Off

Arbor Realty Trust

C3.ai

Carvana

ImmunityBio

With the broader market reaching new all-time highs, primarily driven by the tech sector and specifically semiconductor stocks fueled by the hype surrounding AI, the spotlight is once again beginning to shine on high short-interest stocks.

5 Stocks with Unusually Large Short Interest

GreenPower Motor Co.

Karat Packaging

There are some tiny stocks with explosive growth on the table for investors to scoop up this month. I think these companies are some of the best on the market, representing a broad range of penny stocks as well as small-cap stocks that can potentially double in value.

3 Tiny Stocks Capable of 100% Explosions

Upstart's business is still reeling from high interest rates. It's launching new products to be in position for better circumstances.

Why Upstart Stock Plunged 19% in February

Beyond Meat

Even though the Fed's interest rate hikes flushed a lot of losers out of the market since 2022, a handful of stocks to short remain, against all odds. These three companies are pure products of ZIRP-era enthusiasm, and though each trades well below pandemic period highs, they're still grossly overvalued.

News for Upstart Holdings Stock (UPST)