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 was savaged (+50%) after their Q1 earnings call, falling disproportionately relative to a moderation in revenue growth and a  contraction in profit margins forecast for the rest of 2022. The Market's stern response can be attributed to three main factors: first, Upstart's ‘new' policy of retaining loans on the company's own balance sheet.

Upstart Crashed Due To 3 Misdiagnoses - Strong Buy

Los Angeles, California--(Newsfile Corp. - June 6, 2022) - The Schall Law Firm, a national shareholder rights litigation firm, reminds investors of a class action lawsuit against Upstart Holdings, Inc. ("Upstart" or "the Company") (NASDAQ: UPST) for violations of §§10(b) and 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder by the U.S. Securities and Exchange Commission.Investors who purchased the Company's securities between March 18, 2021 and May 9, 2022, inclusive...

INVESTOR ACTION REMINDER: The Schall Law Firm Encourages Investors in Upstart Holdings, Inc. with Losses of $500,000 to Contact the Firm

Upstart Crushed Wall Street Expectations. Why Is Its Stock Down?

New York, New York--(Newsfile Corp. - June 4, 2022) - WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of the securities of Upstart Holdings, Inc. (NASDAQ: UPST) between March 18, 2021 and May 9, 2022, inclusive (the "Class Period") of the important July 12, 2022 lead plaintiff deadline.SO WHAT: If you purchased Upstart securities during the Class Period you may be entitled to compensation without payment of any out of pocket...

ROSEN, Global Investor Counsel, Encourages Upstart Holdings, Inc. Investors with Losses Exceeding $100K to Secure Counsel Before Important Deadline in Securities Class Action - UPST

NEW ORLEANS , June 3, 2022 /PRNewswire/ -- ClaimsFiler, a FREE shareholder information service, reminds investors that they have until July 12, 2022 to file lead plaintiff applications in securities class action lawsuits against Upstart Holdings, Inc. (NasdaqGS: UPST), if they purchased the Company's securities between March 18, 2021 and May 9, 2022, inclusive (the "Class Period").  These actions are pending in the United States District Court for the Northern District of California.

UPSTART HOLDINGS SHAREHOLDER ALERT: CLAIMSFILER Reminds Investors with Losses in Excess of $100,000 of Lead Plaintiff Deadline in Class Action Lawsuits Against Upstart Holdings, Inc. - UPST

DraftKings

Shopify

It was a tough day for high-growth stocks, as a hot jobs number stoked inflation fears even as Elon Musk warned about the global economy.

Why Shopify, Upstart, and DraftKings Fell Today

Los Angeles, California--(Newsfile Corp. - June 3, 2022) - The Schall Law Firm, a national shareholder rights litigation firm, reminds investors of a class action lawsuit against Upstart Holdings, Inc. ("Upstart" or "the Company") (NASDAQ: UPST) for violations of §§10(b) and 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder by the U.S. Securities and Exchange Commission.Investors who purchased the Company's securities between March 18, 2021 and May 9, 2022, inclusive...

INVESTOR ACTION ALERT: The Schall Law Firm Encourages Investors in Upstart Holdings, Inc. with Losses of $500,000 to Contact the Firm

SAN DIEGO--(BUSINESS WIRE)---- $UPST #InvestorsRights--Robbins LLP is Investigating Upstart Holdings, Inc. (UPST) on Behalf of Shareholders

UPST Investor News: Robbins LLP is Investigating Upstart Holdings, Inc. (UPST) on Behalf of Shareholders

Adobe

Coinbase

Salesforce

Microsoft

Should investors be updating their portfolios with these top SaaS stocks?

Top SaaS Stocks To Buy Right Now? 5 For Your Watchlist

Nu Holdings

StoneCo

Fintech stocks are enjoying some reprieve as the market analyzes new economic data today.

Why Upstart, Nu Holdings, and StoneCo Are Rising Today

The lending platform wasn't prepared for changing economics.

Why Upstart Plunged 33% in May

LEBANON, N.H. & SAN MATEO, Calif.--(BUSINESS WIRE)--Mascoma Bank Selects Upstart for Personal Lending

Mascoma Bank Selects Upstart for Personal Lending

Prediction: 2 Unstoppable Stocks That Will Double Before the Market Does

SAN FRANCISCO--(BUSINESS WIRE)---- $UPST #InvestorAlert--UPST INVESTORS: July 12, 2022 Filing Deadline in Securities Class Action – Contact Lieff Cabraser

UPST INVESTORS: July 12, 2022 Filing Deadline in Securities Class Action – Contact Lieff Cabraser

Toyota Motor

Volkswagen AG

A new area of its lending business is booming.

Is This Beaten-Down Fintech Stock on the Upswing?

New York, New York--(Newsfile Corp. - May 29, 2022) - WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of the securities of Upstart Holdings, Inc. (NASDAQ: UPST) between March 18, 2021 and May 9, 2022, inclusive (the "Class Period") of the important July 12, 2022 lead plaintiff deadline.SO WHAT: If you purchased Upstart securities during the Class Period you may be entitled to compensation without payment of any out of pocket fees...

ROSEN, A Top Ranked Law Firm, Encourages Upstart Holdings, Inc. Investors with Losses to Secure Counsel Before Important Deadline in Securities Class Action - UPST

SoFi Technologies

Profitable companies should see a rebound in the coming years.

2 High-Flying Fintech Stocks to Buy for the Long Haul

New York, New York--(Newsfile Corp. - May 28, 2022) - Pomerantz LLP is investigating claims on behalf of investors of Upstart Holdings, Inc. ("Upstart" or the "Company") (NASDAQ: UPST). Such investors are advised to contact Robert S. Willoughby at newaction@pomlaw.com or 888-476-6529, ext. 7980.The investigation concerns whether Upstart and certain of its officers and/or directors have engaged in securities fraud or other unlawful business practices. [Click here for information about joining...

Shareholder Alert: Pomerantz Law Firm Investigates Claims on Behalf of Investors of Upstart Holdings, Inc. - UPST

Breathe, relax, and focus on the opportunity before you.

2 Reasons Why the Sky's Not Falling at Upstart

San Diego, California--(Newsfile Corp. - May 27, 2022) - Robbins Geller Rudman & Dowd LLP announces that purchasers or acquirers of Upstart Holdings, Inc. (NASDAQ: UPST) securities between November 9, 2021 and May 9, 2022, both dates inclusive (the "Class Period") have until July 12, 2022 to seek appointment as lead plaintiff in in the Upstart class action lawsuit. Commenced on May 13, 2022, the Upstart class action lawsuit charges Upstart and certain of...

INVESTOR ALERT: Investors in Upstart Holdings, Inc. with Substantial Losses Have Opportunity to Lead Class Action Lawsuit - UPST

NEW YORK , May 27, 2022 /PRNewswire/ -- WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of the securities of Upstart Holdings, Inc. (NASDAQ: UPST) between March 18, 2021 and May 9, 2022, inclusive (the "Class Period") of the important July 12, 2022 lead plaintiff deadline. SO WHAT: If you purchased Upstart securities during the Class Period you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement.

ROSEN, LEADING INVESTOR COUNSEL, Encourages Upstart Holdings, Inc. Investors with Losses to Secure Counsel Before Important Deadline in Securities Class Action - UPST

NVIDIA

As the market attempts a recovery, should investors bet on these growth names?

5 Growth Stocks For Your June 2022 Watchlist

While this number is concerning, it is not a reason to sell yet.

Does This 1 Number Change Upstart's Investment Thesis?

Upstart crashed 80% heading into its earnings report. It then crashed another 70%. While the stock has since recovered some of the losses, the stock remains too cheap even with the lowered guidance.

Upstart Stock: Is The Recent Crash A Good Opportunity To Buy Or Sell?

LendingClub

While Upstart can generate more origination volume, LendingClub is better positioned to handle market shocks.

News for Upstart Holdings Stock (UPST)