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.

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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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NEW YORK--(BUSINESS WIRE)-- #KBRA--KBRA assigns preliminary ratings to two classes of notes issued by Upstart Securitization Trust 2023-3 (“UPST 2023-3”), a $194.74 million consumer loan ABS. UPST 2023-3 will have an expected collateral balance of approximately $263.159 million and the preliminary ratings reflect initial credit enhancement levels of 45.50% for the Class A notes and 26.50%% for the Class B notes. Credit enhancement consists of overcollateralization, excess spread, a non-declining cash r.

KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2023-3

Upstart experienced a significant increase in its stock price throughout 2021 due to fiscal stimulus, low-interest rates, and high demand for loans. However, the stock plummeted by over 95% after the end of easy monetary policy and the onset of inflation. Where is the company now?

Upstart: Yielding 16%, We're Cautiously Optimistic

Upstart Holdings, Inc. has the potential for significant growth in 2024. Investors should focus on the improving Upstart balance sheet and operational discipline.

Upstart: A Promising Outlook For 2024 Amidst Improved Operations

Upstart Holdings stock has consolidated constructively over the past two months, with reduced downside volatility. Buyers returned after UPST fell more than 60% from its August highs. The macroeconomic conditions have been mixed, with consumer spending remaining strong, but bond yields have surged higher. Upstart could face more funding pressure if macroeconomic conditions worsen.

Upstart: The Cracks Are Forming Again - Why The $25 Level Is Pivotal

Upstart (NASDAQ: UPST ) provides a platform that uses artificial intelligence (AI) to streamline and (hopefully) improve the lending process. Some folks might want to buy UPST stock because they envision a robust future for this type of technology.

High-Reward or Hard Regret? The Upstart Stock Dilemma.

Upstart has developed a product that works, and its addressable market is huge. Higher interest rates have crushed the business, showing how vulnerable it is to the economic cycle.

Upstart Stock Is a Screaming Buy, but Only if It Can Prove 1 Thing

Upstart's artificial intelligence technology works and is promising. But the company's reliance on unsecured loans is hurting it.

Upstart Is Great. Here's Why You Shouldn't Buy the Stock.

Upstart Holdings, Inc. (UPST) reachead $29.17 at the closing of the latest trading day, reflecting a +0.69% change compared to its last close.

Upstart Holdings, Inc. (UPST) Increases Despite Market Slip: Here's What You Need to Know

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Report Third Quarter 2023 Earnings on November 7, 2023.

Upstart to Report Third Quarter 2023 Earnings on November 7, 2023

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The 10 Most Shorted Stocks Include 3 Tesla Rivals, But Not TSLA

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A rapid rise in interest rates has wreaked havoc on many U.S. industries, from semiconductor manufacturing to banking. But some experts think the Federal Reserve has finished raising rates, and it could even cut them in 2024.

2 Magnificent Stocks Down 29% and 92% to Buy Before 2024 Arrives

Upstart Holdings, Inc. (UPST) concluded the recent trading session at $29.01, signifying a -1.36% move from its prior day's close.

Upstart Holdings, Inc. (UPST) Stock Dips While Market Gains: Key Facts

Upstart Holdings, Inc. stock lost over 34% despite exceeding Q2 earnings expectations in EPS and revenue. Upstart Holdings is still up 110% year-to-date but down 93% from its all-time high. Rising interest rates have led to increased default rates, impacting Upstart's lending business.

Upstart: The Story Is Still Evolving, But The Price Is Getting Attractive

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I don't think there is any debate on the point that Nvidia (NASDAQ: NVDA ) has established itself as the godfather of AI. As growth accelerates for Nvidia in a big addressable global market, the company's stock has skyrocketed by 220% year-to-date (YTD).

3 Artificial Intelligence Stocks That Could Outperform the ‘Godfather of AI'

Upstart is guiding for further challenges in this economy. After a disappointing earnings report, it couldn't hold on to its wildly high year-to-date stock gains.

Why Upstart Stock Dropped 11% in September

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Artificial intelligence (AI) investments have surged during the past year, with new research by Forex Suggest revealing the 10 largest market capitalization increases for AI stocks in 2023, and which AI-related company is on track to reach a trillion-dollar valuation quickest.  #1 Upstart Holdings Inc: 100% increase in market cap (from August 2022 to August 2023)  Upstart, which partners with banks to provide credit services, uses machine learning and AI to assess borrowers on a range of non-traditional data points, using this data to provide higher approval rates and lower interest loans.

Top 10 AI stocks with the biggest market cap increases in the past year

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Upstart Holdings UPST, a leading artificial intelligence lending platform, has been chosen by the Heritage Financial Credit Union (“HFCU”) to expand personal loan offerings to a broader range of people.

Upstart Holdings (UPST) to Boost HFCU's Personal Lending Base

MIDDLETOWN, N.Y & SAN MATEO, Calif.--(BUSINESS WIRE)--Heritage Financial Credit Union Selects Upstart for Personal Lending.

Heritage Financial Credit Union Selects Upstart for Personal Lending

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The rare-disease drug industry and the lending industry both serve huge addressable markets. Vertex has built a profitable business on the back of its cystic fibrosis drug franchise, and it's still early days.

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Most lenders don't yet understand that Upstart's risk-assessment approach is better than the industry's long-term use of credit scores. This year's revenue headwind and subsequent losses are only temporary in nature.

Can Upstart Stock Double in 5 Years? Here's What It Would Take

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Upstart's financials have taken a hit due to rising interest rates. The business is much more cyclical than investors had originally thought.

News for Upstart Holdings Stock (UPST)