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 Q4 2021

Earnings data Q1 2022

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Earnings data Q4 2022

Earnings data Q1 2023

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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.

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Upstart has a strong business, but the market has clearly set huge expectations for it.

Can Upstart's Business Model Live Up to the Market's Expectations?

VERNON HILLS, Ill. & SAN MATEO, Calif.--(BUSINESS WIRE)--BCU Selects Upstart for Personal Lending

BCU Selects Upstart for Personal Lending

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Upstart Holdings Inc (NASDAQ: UPST) shares traded lower on Monday after JMP Securities lowered its price target on the stock from $327 to $315. Last week saw Upstart shares trade sharply lower after the company reported third-quarter earnings results.

Why Upstart Shares Traded Lower Today

Its stock might have been due for a correction, but its business is still soaring.

Why Upstart's Earnings Weren't as Bad as You Think

Upstart's recent earnings results beat analyst estimates, but disappointed the market.

Upstart's Struggles Should Give This Rival a Big Boost

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Upstart suffered heavy losses recently, but that's because it's a giant success. Eventually, UPST stock will recover its highs and more.

All Signs Point to Upstart Stock Being a Long-Term Winner

Upstart stock declined as much as 18% on November 10 after reporting Q3 earnings. The company reported solid numbers for the third quarter, and the decline of the stock price had a lot to do with the expected Q4 numbers.

Upstart Stock Crashes But My Confidence Gets A Booster

Sometimes, even an impressive beat and raise isn't enough.

Why Upstart Stock Plunged on Thursday

Shares of Upstart Holdings Inc. have rocketed in recent months but were falling back to earth Wednesday after the company, which uses artificial intelligence to inform lending decisions, posted its latest results.

The Ratings Game: Upstart stock slides toward worst day since March; raised outlook underwhelms amid ‘much anticipation'

Upstart's (UPST) third-quarter 2021 results reflect benefits from continual improvement of artificial intelligence-based models.

Upstart Holdings (UPST) Q3 Earnings Beat, Revenues Up Y/Y

Before this week, Upstart stock was up 129% over the past three months, and 670% so far on the year.

Upstart plunges 24% as earnings beat estimates but guidance points to weaker fourth quarter

As growth stocks continue their heady (but never completely steady) climb on Wall Street, the question remains: When are triple-digit gains not enough? Upstart Holdings, an online lending platform underpinned by artificial intelligence (AI), reported results on Wednesday (Nov. 10) after the market closed that showed triple-digit percentage gains across most metrics.

Upstart's Triple-Digit Growth Shows AI-Based Lending's Heady Pace

Upstart Holdings Inc (NASDAQ: UPST) gapped down over 22% on Wednesday after reporting a third-quarter revenue beat. Holding stock or options over earnings is akin to gambling because a stock can rise following a negative print and a stock can fall after printing positive results.

Upstart Gaps Down 20%: What's Next?

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UPST stock is plunging after lowering its guidance, but Piper Sandler thinks Upstart is still on the right track to share-price growth. The post UPST Stock: Why Piper Sandler Thinks Upstart Can Return to $300 After Earnings appeared first on InvestorPlace.

UPST Stock: Why Piper Sandler Thinks Upstart Can Return to $300 After Earnings

Upstart Holdings Inc (NASDAQ: UPST) recently announced its Q3 2021 results. These are the details.

Upstart (UPST): Q3 2021 Financial Results

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UPST stock seems to have gotten ahead of itself, but patient investors can wait as the AI-powered fintech company definitely has potential. The post Upstart Stock Has a Valuation Issue That Eclipses Any Upside Thesis appeared first on InvestorPlace.

Upstart Stock Has a Valuation Issue That Eclipses Any Upside Thesis

Upstart Holdings, Inc. (UPST) CEO Dave Girouard on Q3 Fiscal Year 2021 Results - Earnings Call Transcript

SAN MATEO, Calif.--(BUSINESS WIRE)--In the table titled RECONCILIATION OF GAAP TO NON-GAAP FINANCIAL MEASURES, in the column labled Three Months Ended September 30, 2021, Adjusted EBITDA should be $59,139 (instead of $29,139). The updated release reads: UPSTART ANNOUNCES THIRD QUARTER 2021 RESULTS Upstart Holdings, Inc. (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced financial results for its third quarter of the fiscal year 2021 ended September 30, 2021

News for Upstart Holdings Stock (UPST)