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's growth accelerated in 2021, and the size of its opportunity suggests the company is just getting warmed up.

1 Unstoppable Stock That Just Grew Sales by 264%

UPST stock has left very little room for easy entry. Investors must be cautious and buy it on less obvious days than those with a big pop.

Fast-Moving Upstart Stock Requires Patience After Earnings Pop

Upstart Holdings' (UPST) fourth-quarter 2021 results reflect benefits from strong revenues from fees and a massive increase in volume in loans.

Upstart Holdings (UPST) Q4 Earnings Beat, Revenues Up Y/Y

Stellar fourth-quarter results and a new stock buyback plan boosted Upstart's share price today.

Here's Why Upstart Holdings Stock Is Skyrocketing Today

Upstart (UPST) stock is on the rise Wednesday after the lending company released its earnings report for the fourth quarter of 2021. The post UPST Stock: 16 Reasons Why Upstart Shares Are Soaring Upwards Today appeared first on InvestorPlace.

UPST Stock: 16 Reasons Why Upstart Shares Are Soaring Upwards Today

The shares of Upstart Holdings Inc (NASDAQ:UPST) are soaring today, up 27.3% at $138.87 and one of the best stocks on the tech-heavy Nasdaq today.

Upstart Stock Soars After Stellar Results

UPST stock is trading at a steep discount, and could rise as Upstart partners with a slew of banks and credit unions. The post Upstart Stock Is the AI-Powered Fintech Investment You Can't Ignore appeared first on InvestorPlace.

Upstart Stock Is the AI-Powered Fintech Investment You Can't Ignore

The lending technology company has grown impressively, but we don't know what would happen in a deep economic downturn.

How Would Upstart Perform in a Recession?

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Upstart Holdings, Inc. (UPST) delivered earnings and revenue surprises of 81.63% and 16.35%, respectively, for the quarter ended December 2021. Do the numbers hold clues to what lies ahead for the stock?

Upstart Holdings, Inc. (UPST) Surpasses Q4 Earnings and Revenue Estimates

Upstart Holdings, Inc. (UPST) CEO Dave Girouard on Q4 2021 Results - Earnings Call Transcript

Alteryx

After-hours trading featured a couple of strong earnings reports.

Upstart and Alteryx Are Leading a Growth-Stock Rebound Late Tuesday

Shares of Upstart Holdings Inc. surged in after-hours trading Tuesday after the financial-technology company easily topped expectations with its latest earnings and outlook while announcing a new share-repurchase program.

Earnings Results: Upstart stock surges as company crushes earnings expectations, announces buyback program

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Fourth Quarter and Full Year 2021 Results

Upstart Announces Fourth Quarter and Full Year 2021 Results

There doesn't appear to be a specific reason, but the company reports earnings tomorrow.

Why Shares of Upstart Are Rising Today

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The lending technology company has been beaten down lately, but is it worth a closer look now?

Down 70% in 3 Months, Is Upstart a Buy?

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These 4 Stocks Are Down Big -- Which Is the Best Buy Now?

Upstart reports earnings soon, and the recent downdraft is looking increasingly like a buying opportunity for UPST stock. The post Why Upcoming Earnings Are Important for Upstart Stock appeared first on InvestorPlace.

Why Upcoming Earnings Are Important for Upstart Stock

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Their long-term potential is too attractive to be discounted because of their performances last month.

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Tech and fintech stocks are rallying this week.

Why Shares of Upstart, Nu Holdings, and StoneCo Are All Rising Today

Toronto-based Waabi says its advanced new simulator can train autonomous vehicles to handle a nearly limitless number of road conditions–and do so faster than bigger self-driving rivals that rely more on road tests.

Can Next-Generation Simulation Build A Better Self-Driving Car? This AI Upstart Thinks So

Upstart Holdings, Inc. (UPST) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

News for Upstart Holdings Stock (UPST)