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

C3.ai

Upstart is struggling to drum up demand for its AI-powered loans. C3.ai is laying off employees despite apparently incredible demand for its latest generative AI products.

2 AI Stocks I'm Avoiding at All Costs

OLEAN, New York & SAN MATEO, Calif.--(BUSINESS WIRE)--High Point Federal Credit Union Selects Upstart for Personal Lending.

High Point Federal Credit Union Selects Upstart for Personal Lending

Ford Motor Company

Realty Income Corp

Realty Income's business has been doing well this year, but investors remain hesitant on REITs due to rising interest rates. Upstart Holdings is experiencing a sharp decline in demand, as borrowers aren't eager to lend right now.

3 Stocks That Could Soar in 2024 if the Fed Cuts Interest Rates

Veritone

Even though AI stocks have done incredibly well in 2023, there remain shares best left alone. Whether you sell in December or earlier, it's probably best to get rid of these shares quickly.

3 Underwhelming AI Stocks to Sell in December

Upstart's AI-based model gives it an advantage over a conventional credit score. The company has struggled in the current macro environment with high interest rates.

Could Investing $10,000 In Upstart Stock Make You a Millionaire?

Upstart has been blaming its disappointing performances on macroeconomic headwinds. A competitor has been thriving despite the same macro headwinds.

If You're Bullish on Upstart Stock, This News Should Be Really Disturbing

Upstart leverages AI to make loans more accessible to borrowers previously excluded from the financial system. Upstart got off to a sizzling start following its 2020 IPO but has faced significant headwinds since.

5 Things You Need to Know If You Buy Upstart Stock Today

Opendoor

Shopify

High-growth stocks, real estate, and financial stocks are all highly sensitive to interest rates. This week's cooler-than-expected inflation readings provided hope of lower rates ahead.

Why Shopify, Opendoor, and Upstart Holdings Rocketed Higher This Week

Palantir Technologies

SoFi Technologies

Palantir could bring eye-popping productivity gains to its customers. SoFi stands out by combining technology with traditional banking.

Got $3,000 and 10 Years? These 3 Stocks Could Make You Rich

ChargePoint Holdings

Terran Orbital Corp

Investors are getting increasingly fed up with the choppiness in markets lately and are looking for high-risk, high-reward bets to spice up their portfolios. The recent surge in cryptocurrencies is evidence of this trend, as speculators pile back into volatile assets like we haven't seen since 2021.

3 Penny Stocks to Buy Now Before an Epic Short Squeeze

Upstart's latest financial results weren't well received by the market. Its business model, while innovative, has proved to be very cyclical.

Could Upstart Be a Millionaire-Maker Stock?

Qurate Retail Inc

Sprouts Farmers Markets

Without question, one of the ugliest topics in the equities space involves the concept of stocks to sell. You mention that and you're bound to receive flak.

Why These Companies Are 3 of the Biggest Stocks to Sell Now

Upstart stock listed in 2020 at a price of $20. After soaring to an all-time high of $401, it has plunged 94% to trade near its IPO price again.

Can Upstart Stock Recover From Its 94% Plunge? Here Are 3 Positive Signs.

Upstart's financials took a huge hit amid rising interest rates. For a tech-focused business, Upstart is a very cyclical enterprise.

I Wouldn't Buy Upstart Stock While This Warning Sign Is Flashing

Upstart uses artificial intelligence (AI) to help inform lending decisions.

Should Investors Buy the Dip in Upstart Stock?

VALPARAISO, Ind. & SAN MATEO, Calif.--(BUSINESS WIRE)--REGIONAL federal credit union Selects Upstart for Personal Lending.

REGIONAL federal credit union Selects Upstart for Personal Lending

Beyond Meat

Novavax

Novavax raised going concern issues this year, and its problems aren't going away. Beyond Meat's sales are declining and its margins are awful.

Could a Short Squeeze Be Coming for These 3 Heavily Shorted Stocks?

Redfin

Truist Financial

Upstart, Redfin, and Truist have all been stymied by rising rates, which has slowed demand for housing and consumer loans and made lending more difficult. The latest data suggests that inflation is cooling, igniting a share rally.

Why Upstart, Redfin, and Truist Stocks Are All Surging Higher Today

After losing some value lately, a hammer chart pattern has been formed for Upstart Holdings, Inc. (UPST), indicating that the stock has found support. This, combined with an upward trend in earnings estimate revisions, could lead to a trend reversal for the stock in the near term.

Upstart Holdings, Inc. (UPST) Could Find a Support Soon, Here's Why You Should Buy the Stock Now

Airbnb

DraftKings

Netflix

Rivian Automotive

Tesla

Growth stocks have been fairly resilient, considering challenges such as high interest rates and the prospect of a recession within the next twelve months. This resilience notwithstanding, however, make no mistake.

7 Growth Stocks That Are at Risk of Slowing Down Soon

Not all AI stocks have delivered massive returns. Capitalizing on a $4 trillion addressable market could be game-changing.

Missed Out on Artificial Intelligence? My Best AI Stock to Buy and Hold

JPMorgan Chase & Co

Ubiquiti Inc

Alternative credit bureau Upstart just needs one last nudge to turn its top-line trend around. The networking market may be led by Cisco, but Ubiquiti has carved out a piece of the business with a couple of competitive advantages.

Bull Market Buys? 3 Stocks the Smartest Investors Are Watching

Upstart reported declining loan volumes and a net loss in the third quarter. Investors are nervous about the loans held on its balance sheet.

Upstart Stock Collapsed This Week. Here's Why.

The headline numbers for Upstart Holdings, Inc. (UPST) give insight into how the company performed in the quarter ended September 2023, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Compared to Estimates, Upstart Holdings, Inc. (UPST) Q3 Earnings: A Look at Key Metrics

Upstart's shares crashed over 27% after the FinTech reported declining revenues and a higher than expected loss in the third quarter. The decline in loan volumes was largely expected, however, due to high interest rates. Upstart has potential for a rebound as interest rates fall. Upstart's long-term value lies in its AI technology that can optimize the lending process and replace traditional credit analysis.

News for Upstart Holdings Stock (UPST)