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.

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Cost of revenue

Gross profit

Operating expenses

SG&A

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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

The company is using artificial intelligence to flip lending on its head, and its growth suggests the banks are loving it.

3 Ways Upstart Just Crushed Earnings

Upstart recently released earnings that topped estimates and reported revenue growth of over 1,000% YoY. The company was founded by ex-Google employees with a focus on improving access to affordable credit for consumers.

The Future Of Consumer Credit

The company's investors just got some good news.

Here's Why Upstart Is Rising Again on Friday

Upstart Holdings Inc (NASDAQ:UPST) is trading higher Friday after Barclays analyst Ramsey El-Assal upgraded the stock from Equal-Weight to Overweight and raised the price target from $130 to $230. Given Upstart's continued impressive performance, El-Assal sees improvements in conversion rate, top-of-funnel acquisition and margins being more sustainable than he previously thought.

Why Upstart's Stock Is Continuing To Move Higher Again Today

Upstart Holdings Inc. (NASDAQ:UPST) shares Wednesday surged nearly 20% after Citi analyst Peter Christiansen upgraded the stock from neutral to buy. Christiansen cited the AI lending platform's recent earnings beat and solid full-year 2021 guidance for his upgrade.

Upstart shares spike after Citi upgrade: should you invest in UPST in Q3 2021?

The stock price of Upstart Holdings Inc (NASDAQ: UPST) increased by over 26% during intraday trading. This is why it happened.

UPST Stock Price Increases Over 26% Intraday: Why It Happened

Upstart Holdings Inc (NASDAQ:UPST) shares gained 20% on Wednesday after the company reported a second-quarter earnings beat and issued strong guidance for the third quarter. On Tuesday, Upstart reported second-quarter adjusted EPS of 62 cents on $193.9 million in revenue.

Upstart Stock Soars After Q2 Earnings: $635B Auto Lending Opportunity?

Upstart's (UPST) second quarter of 2021 results reflect benefits from an expanding bank partner.

Upstart Holdings (UPST) Q2 Earnings Beat, Revenues Up Y/Y

Upstart Holdings Inc. (NASDAQ: UPST) shares are trading higher Wednesday after the company announced better-than-expected second-quarter financial results. The company reported earnings of 62 cents per share, beating the analyst estimate of 25 cents per share.

Upstart Stock Looks Ready For A Breakout After Earnings

Upstart reported better-than-expected earnings for the second quarter, sending shares soaring in after-hours trading on August 10. The company is aggressively expanding its horizons by tapping the lucrative opportunity in the auto loans segment.

3 Catalysts That Could Send Upstart Shares To New Highs

Upstart raised its full-year revenue guidance to $750 million from its prior guidance of $600 million.

Upstart jumps 27% as full-year sales forecast smashes estimates

Coinbase

Across the fintech landscape, valuations are surging and revenue is growing at historic rates as consumers turn to digital apps for banking and investing.

Fintech just saw an earnings bonanza, as Coinbase and Upstart report over 11-fold revenue growth

Upstart Holdings Inc (NASDAQ: UPST) provided some 170,000 loans in the first quarter for borrowers and eye-popping gains for investors in 2021. Since January 2021, Upstart stock's return has outperformed the world's largest multinational banks and financial services companies: Wells Fargo & Co (NYSE: WFC), Bank of America Corp (NYSE: BAC), Citigroup Inc (NYSE: C) and JPMorgan Chase & Co. (NYSE: JPM).

This AI Lending Platform Has A Better Year-To-Date Return Than Wells Fargo, Bank Of America, Citigroup And JPMorgan

The stock price of Upstart Holdings Inc (NASDAQ: UPST) increased by over 20% pre-market. This is why it happened.

UPST Stock Price Increases Over 20% Pre-Market: Why It Happened

Blend Labs

Rocket Companies, Inc.

Technology is increasing access for borrowers and improving decision making for financial institutions.

Forget FICO, 3 Fintech Companies That Are Disrupting Consumer Credit

Upstart Holdings, Inc. (UPST) CEO Dave Girouard on Q2 2021 Results - Earnings Call Transcript

Upstart Holdings Inc (NASDAQ: UPST) shares traded higher Tuesday afternoon following better-than-expected second-quarter results and raised full-year guidance. The company reported quarterly earnings of $0.62 per share on sales of $194 million.

Why Are Upstart Shares Moving Higher Today?

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Second Quarter 2021 Results

Upstart Announces Second Quarter 2021 Results

3 Things I'm looking For in Upstart's Earnings

Upstart Holdings (UPST) second-quarter results are likely to benefit from expanding partner base.

What's in Store for Upstart Holdings (UPST) in Q2 Earnings?

Upstart Holdings, Inc. (UPST) closed at $127.98 in the latest trading session, marking a -0.54% move from the prior day.

Upstart Holdings, Inc. (UPST) Dips More Than Broader Markets: What You Should Know

Here is what matters for Upstart's upcoming quarter.

3 Things Investors Need to Know Heading Into Upstart's Q2 Earnings

SAN MATEO, Calif.--(BUSINESS WIRE)--Associated Bank Launches Personal Loans Powered by Upstart

Associated Bank Launches Personal Loans Powered by Upstart

Upstart, a data-driven AI company, has been met with lots of excitement since its IPO in December 2020.

Upstart's Customer Concentration Is Fleeting

Upstart offers AI based borrower assessment tools which can decrease default rates significantly.

News for Upstart Holdings Stock (UPST)