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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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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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 (UPST) stock has continued to struggle this year, benefiting investors who have shorted the company. It has dropped by more than 34% this year while the Nasdaq 100 and S&P 500 indices have risen to a record high.

Upstart stock price is showing signs of bottoming

Upstart has executed strongly on reducing its operating cost structure. Management expects sequential growth and positive EBITDA generation to return by the end of the year. Management also aims to reduce loans held as investments on the balance sheet.

Upstart: Turning A Corner With Growth And Profitability To Return

SoFi Technologies

SoFi and Upstart will likely benefit if the Federal Reserve cuts interest rates.

Should You Buy SoFi Stock Instead of Upstart Stock?

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Report Second Quarter 2024 Earnings on Aug. 6, 2024.

Upstart to Report Second Quarter 2024 Earnings on Aug. 6, 2024

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Upstart's artificial intelligence-powered lending platform has the potential to increase economic opportunity for consumers. Its recent financial results continue to be disappointing.

Upstart: Buy, Sell, or Hold?

Upstart got off to a hot start after its 2020 IPO but has fallen significantly in recent years. High interest rates and subdued demand for its loans weighed on the business in 2022.

Is Upstart Holdings Stock a Buy?

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Nu has room to grow as Latin America's digital banking market expands. Upstart's lending business will recover as interest rates decline.

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E-commerce spending is set to explode in the coming years, while the world of lending is rapidly evolving. Shopify is working to slash costs, and it's still facing some lingering expenses from getting rid of its logistics business, but growth is steadily on the upswing.

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Upstart Holdings, Inc. (UPST) closed the most recent trading day at $21.67, moving -0.98% from the previous trading session.

Upstart Holdings, Inc. (UPST) Declines More Than Market: Some Information for Investors

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POTTSTOWN, Pa. & SAN MATEO, Calif.--(BUSINESS WIRE)--Diamond Credit Union Selects Upstart for Personal Lending.

Diamond Credit Union Selects Upstart for Personal Lending

Private credit lender Castlelake will buy up to $1.2 billion in consumer installment loans from fintech firm Upstart to expand its foothold in the retail lending space, it said on Thursday.

Castlelake to buy up to $1.2 bln in consumer loans from Upstart

MINNEAPOLIS , June 20, 2024 /PRNewswire/ -- Castlelake, L.P. ("Castlelake"), a global alternative investment manager specializing in asset-based private credit investments, has reached an agreement to purchase up to $1.2 billion of consumer installment loans from Upstart (NASDAQ: UPST), an artificial intelligence (AI) lending marketplace.

Castlelake Agrees to Purchase up to $1.2 Billion of Consumer Installment Loans Originated on Upstart's Platform

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Upstart has seen slumps in the personal loans business due to interest rate hikes, but the AI lending model excitement leads to potential growth. Despite meager growth forecasts from analysts, Upstart has potential to exceed previous revenue levels with AI lending hype and a larger market opportunity. The stock tends to see huge rallies on AI hype and the potential for a return to $1+ billion in annual revenue makes the stock appealing at $2 billion.

Upstart: Buy Weakness (Rating Upgrade)

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Upstart (NASDAQ: UPST) stock price is down more than 5.0% on Friday after a BTIG analyst issued a super bearish note against it.

Upstart stock price could crash 45%: BTIG analyst warns

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News for Upstart Holdings Stock (UPST)