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

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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.

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Cost of revenue

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EBITDA

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Current assets

Cash & equivalents

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Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

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Income tax payable

Non-current liabilities

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Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

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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

Free cash flow

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Shares of Upstart Holdings Inc. UPST, -3.38% are off 3.6% in Monday morning trading after Bank of America analyst Nat Schindler downgraded the stock two notches, to underperform from buy, writing that he sees "little room for upside" with shares up roughly 800% on the year. The S&P 500 SPX, +0.26% has gained about 19% so far in 2021.

Upstart stock drops after double downgrade

Upstart's share price has exploded since my last article in May based on very strong fundamentals and a market that has finally woken up to the potential of AI lending. I believe that we are witnessing a tipping point for the company and that it will continue to outperform the market's expectations.

Is Upstart Still A Buy Above $390?

With a multibagger in the making in hindsight, I'm here to make the case that UPST still makes for a compelling investment opportunity at the current prices.

Upstart: Worth It At The Current Price

Upstart (UPST) stock is catching the eye of investors on Friday with heavy trading as they look for the shares to reach $400. The post UPST Stock: 6 Things to Know About Upstart as Investors Hope for $400 appeared first on InvestorPlace.

UPST Stock: 6 Things to Know About Upstart as Investors Hope for $400

Upstart shares have seen strong appreciation over the past several months. The appreciation has been based on quarters that have well exceeded expectations in terms of revenue and profitability as well as higher expectations for sustained growth.

Upstart: The End Of The Beginning

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, announced today that its third quarter of fiscal year 2021 business and financial results will be released on Tuesday, November 9, 2021 after the market close. Upstart will host a conference call and live webcast that day at 1:30 p.m. PT / 4:30 p.m. ET. Prior to the conference call, the third quarter 2021 earnings press release and investor presentation will be ava

Upstart to Report Third Quarter 2021 Earnings on November 9, 2021

Someone with a lot of money to spend (and possibly insider knowledge) has taken a bearish stance on Upstart Holdings(NASDAQ:UPST). And retail traders should know.

This Is What Whales Are Betting On Upstart Holdings

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Upstart brings artificial intelligence to the banking world, and it's throwing tradition out the window.

1 Explosive Artificial Intelligence Stock Set to Grow Sales 359% by 2022

SAN MATEO, Calif.--(BUSINESS WIRE)--Abound Credit Union Partners with Upstart to Expand Loan Access for Kentuckians

Abound Credit Union Partners with Upstart to Expand Loan Access for Kentuckians

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Upstart and Artificial Intelligence: A Match Made to Disrupt

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Launches First Auto Retail Software with AI-enabled Financing

Upstart Launches First Auto Retail Software with AI-enabled Financing

UPST stock is trading at a preposterous valuation given the company's unproven business model in a fiercely competitive market. The post Upstart Stock Is Wildly Overvalued and Set to Crash appeared first on InvestorPlace.

Upstart Stock Is Wildly Overvalued and Set to Crash

Even this high level of performance can be more than justified.

This Stock Has Been a 10-Bagger in Less Than a Year -- and Could Still Be a Buy

The lending platform provider's business is gaining momentum as it signs up more clients.

Why Upstart Soared 38.1% in September

This fintech company has been red-hot lately.

Up 155% in 3 Months, Is Upstart Stock a Smart Buy?

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News for Upstart Holdings Stock (UPST)