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

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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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Cost of revenue

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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

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Cash from other sources

Net change in cash

Free cash flow

ARK Innovation ETF

Trade Desk

The Nasdaq is roaring higher by about 37% so far in 2023, a return that many investors would not have expected. While mega-cap tech has been a significant driver of the gains, growth stocks have been coming back to life this year too.

3 Growth Stocks for Getting Rich in 2023

PayPal

SoFi Technologies

Youth will be served. That's how I would explain the speed and pervasiveness with which financial technology (fintech) has disrupted the financial sector.

2 Fintech Stocks to Buy Now and 1 to Avoid

Upstart Holdings, Inc. (UPST) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term.

Upstart Holdings, Inc. (UPST) Surges 8.3%: Is This an Indication of Further Gains?

C3.ai

Shares of C3.ai and Upstart Holdings are up more than 250% this year. According to Wall Street's price targets, these stocks could crash by 40% or more.

2 Red-Hot AI Stocks That Have Already Peaked, According to Wall Street

FuboTV

Lordstown Motors

As I write this article, the S&P 500 is trading at its 52-week high. Despite concerns about weak earnings, the likelihood of another interest rate hike, and a possible recession at some point in the next six to nine months, investors continue to climb the wall of worry.

Ditch These 3 Meme Stocks Before the Coming Crash

Shares of Upstart (NASDAQ: UPST ) have been on fire as bulls continue to drive shares higher. While UPST stock is up just 3% in midday trading on Tuesday, the stock was up as much as 5.7% at session highs.

UPST Stock Alert: Nearly 40% of Upstart's Float Is Being Sold Short

Shares of Upstart have nearly quadrupled this year. The company is still struggling after its AI models started producing lackluster results in 2021.

Be Careful With This Red-Hot AI Stock

Twilio

Upstart's loan volume has plummeted in just a year. Twilio's stock is valued at absurdly low levels.

2 Stocks Down 85% With Massive Upside

Upstart jumped on what seems like another leg of an epic short squeeze. Last week's mild inflation readings and optimism over a soft landing are boosting financial stocks today.

Why Upstart Rocketed 14% Higher Today

Carvana

With this bullish market momentum, many investors are looking for millionaire-maker stocks. Indeed, making a million dollars with any investment likely requires a big up-front capital allocation.

3 Millionaire-Maker Stocks to Buy Before the Window Closes

Lemonade

Positive inflation data was a catalyst for an uptrend on Wall Street. Some stocks suffered more than others as the result of economic headwinds and are rebounding from deep troughs.

Why Upstart, SoFi, and Lemonade Stocks Rallied This Week

Upstart Holdings, an AI lending company, experienced a significant stock plunge due to rising interest rates impacting credit markets and its loan approval process. The company has since secured $2 billion in committed funding agreements and a $4 billion agreement with Castlelake to ensure loan approvals have pre-pledged capital. Since announcing the Castlelake deal, Upstart's stock has risen by 92%, indicating a positive investor response to the company's strategic adjustments.

Upstart's Long-Term Opportunity Is Worth The Volatility

Airbnb

While the near-term macro environment may concern some investors, it's important to look at the bigger picture. Airbnb is seeing a surge in demand from hosts and guests, and is building out its business accordingly.

2 Magnificent Growth Stocks Up 62% and 245% to Buy in a Bull Market

Chewy

If you have cash to invest right now, the market is bursting with opportunity for forward-thinking investors. Upstart is continuing to see rapid adoption by lending partners while getting ready to launch another lending product in the coming months.

2 Exceptional Growth Stocks to Buy Before the Next Bull Market

Upstart stock remains down about 90% from its highs as it struggles with economic trends. Some investors find it attractive at the current valuation.

Upstart Stock Is Up 250% This Year. Here's Why You Shouldn't Buy It.

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Report Second Quarter 2023 Earnings on August 8, 2023.

Upstart to Report Second Quarter 2023 Earnings on August 8, 2023

Shift4 Payments

LendingClub

Pagaya Technologies Ltd

Fintech stocks have been trending higher. All as investors become confident that with cooling inflation, the Federal Reserve will soon pause, then begin to pivot on interest rate hikes.

Why These 7 Stocks Are the Best Ways to Play Fintech Right Now

The worst is likely over for Upstart Holdings, Inc.'s sub-prime market as the conditions continue to show improvements. Higher take rates in the recent quarter was a result of higher underwriting efficiency and lower competition. The overall funding environment remains challenging despite the new committed capital that were announced.

Upstart: Lacking Sufficient Margin Of Safety For Entry

KALAMAZOO, Mich. & SAN MATEO, Calif.--(BUSINESS WIRE)--Arbor Financial Credit Union Selects Upstart for Personal Lending.

Arbor Financial Credit Union Selects Upstart for Personal Lending

Many growth stocks are seeing a resurgence in interest from investors. Chewy is going from strength to strength in a competitive market.

2 Super Stocks to Buy That Could Skyrocket in a Bull Market

Wayfair

Excessive short-selling can create lucrative short squeezes. Beware! A short squeeze is risky and isn't part of a long-term investing strategy.

4 Short-Squeeze Stocks Up 78% to 250% and Looking for More

Etsy

Growth stocks have had a better time recently, but a look beyond share price is what matters. Upstart has seen shares jump by triple digits since the start of the year and is actively resolving outstanding funding issues with new, lucrative partnerships.

Have $1,000? 2 Remarkable Growth Stocks You Can Buy and Hold for Years.

Vertex Pharmaceuticals

Fintech and healthcare are two spaces on rapid growth trajectories. Upstart is growing on multiple key fronts that could pave the way for a very promising future.

2 Supercharged Growth Stocks to Invest In Before the Next Bull Market

Riskified Ltd

Veritone

Artificial Intelligence (AI) has garnered incredible attention this year and successfully captured the imaginations of a swath of audiences. This has subsequently led to the rise of AI stocks with market-crushing returns.

3 AI Stocks to Sell in July

Upstart stock was punished by the downturn, but a plan to clear the loans from its balance sheet restored investor confidence. The company also scored a major win, partnering with a well-capitalized investment manager that agreed to buy current and future loans.

News for Upstart Holdings Stock (UPST)