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

Purchase/sale of business

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Cash from financing

Change in stock

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Cash from other sources

Net change in cash

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While falling out of favor for now, in the long-term the 'digitalization of money' trend could send these 10 fintech stocks higher. The post 10 Fintech Stocks To Own Until 2032 and Beyond appeared first on InvestorPlace.

10 Fintech Stocks To Own Until 2032 and Beyond

Upstart had inked several major partnerships recently proving its AI lending platform may be gaining adoption. An investment in UPST stock at these levels could pay off well.

Upstart Stock Is Poised for Growth as More Small Banks Sign On

Upstart has a unique algorithm powered by machine learning and artificial intelligence to handle credit approvals that will boost UPST stock. The post Why Hyper-Growth in AI Will Lift Upstart appeared first on InvestorPlace.

Why Hyper-Growth in AI Will Lift Upstart

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If you believe the Fed's upcoming rate hikes are already priced-in, UPST stock is a growth-at-a-reasonable-price opportunity. Continued strong results, and a modest bump up in its earnings multiple, could send it back above $200 per share.

If You Believe Rate Hikes are Priced-In, Upstart Stock is a Buy

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Why Upstart Stock Fell 28% Last Month

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Upstart Holdings is worth substantially more as a fast-growing lending platform. UPST stock is worth at least 50% more at $158.46 per share based on its huge fintech profits and estimates for revenue growth over the next two years.

Upstart Could Be Worth Substantially More as a Fast-growing Lending Platform

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Some of the largest fintech companies are down big.

Why Are Affirm, Upstart, and StoneCo Getting Crushed on Wednesday?

The credit card processing network is using Pagaya's technology to increase credit and revenue.

Watch Out Upstart: Visa Partners With Competitor Pagaya

Third Point LLC is Upstart Holdings largest shareholder. The value investor has been selling UPST stock in recent weeks.

Daniel Loeb's Been Selling Upstart Holdings. Should You?

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Fintech stocks have been gaining back a little ground in recent days after a rough few months.

Why Shares of Upstart Rose Today

UPST stock got hammered by the tech selloff, but that won't persist as the market understands what fundamentally separates it from others. The post Fintech Disruptor Upstart Can Rise Despite Market Conditions appeared first on InvestorPlace.

Fintech Disruptor Upstart Can Rise Despite Market Conditions

This artificial intelligence stock has been crushed during the tech sell-off, but Wall Street sees a buying opportunity.

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Upstart is improving access to affordable credit -- and UPST stock is surprisingly affordable now, though this opportunity won't last forever. The post Start Up an AI-Powered Lending Revolution with Upstart appeared first on InvestorPlace.

Start Up an AI-Powered Lending Revolution with Upstart

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Upstart is currently profitable and is experiencing triple digit revenue and earnings growth.

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AI-supported lending is the future of the credit business.

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These companies are using artificial intelligence to disrupt sizable industries.

News for Upstart Holdings Stock (UPST)