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.

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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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Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

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Change in working capital

Cash from investing

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Purchase/sale of investments

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Change in stock

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Net change in cash

Free cash flow

Upstart Holdings, Inc. (NASDAQ: UPST) shares are trading lower after Wedbush downgraded the stock from Neutral to Underperform and lowered its price target from $110 to $75. Wedbush analyst David Chiaverini noted 'we fear that weakening delinquency trends combined with macro- and geopolitical.

Why Upstart Shares Are Trading Lower Today

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SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced it is now certified as the first partner in the new 'Build and Price' category in the Subaru Certified Digital Tools Program. Upstart Auto Retail's Build & Price product was developed to help turn inventory challenges into opportunities for more retailers. Built on top of Upstart Auto Retail's innovative digital retail platform, Build & Price allows car bu

Subaru Certifies New Upstart Auto Retail Build & Price Product To Create Sales Opportunities For Retailers Faced With Vehicle Inventory Shortages

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SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced its Upstart Auto Retail product was selected by Volkswagen as one of its preferred digital retail providers to modernize dealerships through an omni-channel car buying experience. As one of the world's leading automobile manufacturers and the largest carmaker in Europe, Volkswagen continues to lead advancements in the Auto Industry. The unique combination of Upsta

Volkswagen Selects Upstart Auto Retail as a Preferred Digital Retail Provider

Artificial intelligence (AI) lender Upstart has launched a mobile-first auto retail platform, the company announced in a news release Wednesday (March 9). The Upstart Auto Retail platform is due to be showcased at the National Automobile Dealers Association Show (NADA) in Las Vegas on Friday, at which time Upstart will also announce new OEM (original […]

AI Lender Upstart Unveils Auto Retail Platform

The lending-technology company is a major outperformer for a couple of reasons.

Here's Why Upstart Is Soaring on Wednesday

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced its new mobile-first Upstart Auto Retail online platform, delivering an improved user experience alongside new features. Upstart will be showcasing its new platform and announcing new OEM support and certification at the National Automobile Dealers Association Show (NADA) in Las Vegas, NV on March 11, 2022. Upstart Auto Retail adoption among car dealers grew nearl

Upstart Launches New Mobile-First Auto Retail Online Platform

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While many stocks are being punished for rising interest rates and inflation, these economic factors could benefit Upstart and UPST stock. The post Upstart Stock May Benefit From Higher Rates appeared first on InvestorPlace.

News for Upstart Holdings Stock (UPST)