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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Earnings data Q1 2022

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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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UPST stock could be worth up to 84% more based on analysts' average target prices and assuming Upstart earnings outperform expectations. The post Analysts Love Lending Company Upstart Holdings With Its 84% Price Target Upside appeared first on InvestorPlace.

Analysts Love Lending Company Upstart Holdings With Its 84% Price Target Upside

In recent months, analysts have raised concerns about delinquency trends.

Is Upstart's Credit Quality Deteriorating?

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LITTLETON, Colo. & SAN MATEO, Calif.--(BUSINESS WIRE)--Red Rocks Credit Union Selects Upstart for Personal Lending

Red Rocks Credit Union Selects Upstart for Personal Lending

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A skeptic might argue executives are cashing in at shareholders' expense.

Is Upstart Sending a Mixed Message With Stock Buybacks?

Upstart is an artificial intelligence powerhouse set for major gains based on these metrics.

Upstart Stock: 2 Key Numbers That Could Drive Future Gains

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UPST recently announced its partnership with Volkswagen and Subaru for its Upstart Auto Retail program.

Upstart: Auto Lending Will Juice Its Business - Buy Now At 70% Down

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UPST stock is presenting a rare opportunity as Upstart posts strong financial figures and announces a share repurchase program. The post A New Mobile Platform Is Enhancing Investor Confidence in Upstart appeared first on InvestorPlace.

A New Mobile Platform Is Enhancing Investor Confidence in Upstart

This new business segment could become a major growth driver for the company.

How Important Could Upstart's Auto Business Be by 2032?

AI-powered loan platform Upstart has positioned itself well to grow for the foreseeable future.

2 Important Things Smart Investors Should Know About Upstart

For one analyst, the previously hot fintech company is now a sell.

Why Upstart Holdings Plummeted by 17% This Week

Upstart Holdings, Inc. (NASDAQ: UPST) shares are trading about 11.6% lower at $102 per share on Friday despite a lack of company-specific news to justify the price action. Over the past 5 trading sessions, Upstart's stock has dropped from the $132 level to the $102 level.

What's Going On With Upstart Stock On Friday?

Upstart Holdings Inc (NASDAQ: UPST) shares are trading lower by 5.6% at $112.00, despite a lack of company-specific news. The move lower could be on continued momentum after a Wedbush downgrade in the name Tuesday.

So What's Up With Upstart Shares Falling Today?

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Upstart is up significantly over the past week, but there could be room for the stock to keep running.

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Upstart stock has lost almost 70% of its value from its all-time highs.

Will Upstart Stock Recover To $200 In 2022?

Upstart (UPST) stock is falling on Tuesday after Wedbush analyst David Chiaverini hit the company with a downgrade today. The post UPST Stock Alert: Why One Analyst Is Lowering His Upstart Price Target to $75 appeared first on InvestorPlace.

UPST Stock Alert: Why One Analyst Is Lowering His Upstart Price Target to $75

Upstart Holdings Inc  (NASDAQ:UPST ) is sinking today, last seen down 9.3% to trade at $114.20.

Upstart Stock Sinks on Downgrade, Price-Target Cut

MANCHESTER, N.H. & SAN MATEO, Calif.--(BUSINESS WIRE)--Bellwether Community Credit Union Selects Upstart for Personal Lending

News for Upstart Holdings Stock (UPST)