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

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Earnings data Q4 2023

Earnings data Q1 2024

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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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Cost of revenue

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Intangibles

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Income tax payable

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Total equity

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 other sources

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Upstart is an emerging leader using Artificial Intelligence to transform the over $110B Consumer Lending Market. The company is expecting Revenue Growth of over 100% in 2021 making them a great reopening candidate.

Upstart Holdings: Competitive Advantages And Future Expectations

SAN MATEO, Calif., March 24, 2021 /PRNewswire/ -- Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced the general availability of the Upstart Referral Network —a unique AI-driven system that matches borrowers with the banks and credit unions best suited to meet their borrowing needs.

Upstart Announces Availability of Upstart Referral Network

The newly public fintech company has seen investor interest explode in the past week.

Why Upstart Holdings Stock Dropped Today

What's Up With Upstart Stock?

Upstart is valued at $12 billion as of Monday's close. It was worth $2.1 billion after its stock market debut in December.

Upstart shares are up 171% in three days, as momentum pours into fintech company

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Barclays still doesn't love the stock price, but it does love Upstart's growth rate.

Why Upstart Stock Just Popped

Investors need to pay close attention to Upstart (UPST) stock based on the movements in the options market lately.

Implied Volatility Surging for Upstart (UPST) Stock Options

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Led by founders from Google, UPST stock tops this list of fastest-growing IPOs, joining QFIN, CMBM stock and others expecting up to 425% growth in 2021. The post Fastest-Growing IPO Stocks: Five IPOs Expecting Up To 425% Growth In 2021 appeared first on Investor's Business Daily.

Fastest-Growing IPO Stocks: Five IPOs Expecting Up To 425% Growth In 2021

The loan platform provider impressed investors with its first public earnings report.

Why Upstart Holdings Stock Jumped, Then Dropped, Friday

The stock price of Upstart Holdings Inc (NASDAQ: UPST) increased by 89.32% yesterday. This is why it happened.

UPST Stock Price Increased 89.32%: Why It Happened

Shares of online lending marketplace Upstart Holdings (UPST) soared on Thursday after posting better-than-expected fourth quarter results.

Why Upstart Holdings (UPST) Soared 89% Today

A blockbuster earnings call sent shares of the newly public Upstart Holdings on a crazy big upswing.

CEO Of Fintech Lender Now A Billionaire After Shares Soar 89% In One Day

Upstart Holdings Inc. (NASDAQ: UPST) shares rallied Thursday, closing the regular session 89.32% higher at $115.09.  The gains come after the company posted better-than- expected fourth-quarter EPS on Wednesday.

Upstart Shares Rally On Q4 Results, M&A Deal, JMP Upgrade: Technical Levels To Watch

The stock price of Upstart Holdings Inc (NASDAQ: UPST) has increased by over 86% during intraday trading. This is why it happened.

UPST Stock Price Surged Over 86% Intraday: Why It Happened

The lending platform reported an acquisition and provided guidance that investors loved.

Why Upstart Holdings Stock Soared Over 75% Thursday

Upstart (UPST) stock is soaring higher on Thursday after announcing a deal that has it beefing up its online car-buying platform. The post UPST Stock Alert: Why Online Lender Upstart Is Rocketing Higher Today appeared first on InvestorPlace.

UPST Stock Alert: Why Online Lender Upstart Is Rocketing Higher Today

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Why Upstart Started Out Strong While Lordstown Stalled Thursday

Shares of Upstart Holdings Inc. (NASDAQ: UPST), an artificial intelligence lending platform, surged 48% in extended trading on Wednesday. What Happened: The surge followed Upstart's announcement that it has agreed to acquire Prodigy Software, Inc., a provider of cloud-based automotive retail software.

Why Upstart Holdings Stock Jumped 48% Today

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced it has entered into a definitive agreement to acquire Prodigy Software, Inc., a provider of cloud-based automotive retail software. Each year, approximately $1 trillion of cars are sold in the US, and most of them are financed.1 Yet purchasing a car consistently ranks among the worst consumer experiences, with less than 1% of buyers satisfied with t

Upstart to Acquire Prodigy Software, a Leading Automotive Retail Software Provider

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced financial results for its fourth quarter and fiscal year ended December 31, 2020. Upstart will host a conference call and webcast at 1:30 p.m. Pacific Time today. An earnings presentation and link to the webcast are available at ir.upstart.com. “We're excited to share our financial results for the first time as a public company. Despite the COVID-19

Upstart Announces Fourth Quarter 2020 and Fiscal Year 2020 Results

SAN MATEO, Calif.--(BUSINESS WIRE)--Apple Bank launches “Personal Loans by Apple Bank,” its digital unsecured personal loan product, powered by Upstart, a leading AI lending platform.

Apple Bank Launches Personal Loans Powered By Upstart

Upstart's stock has risen over 300% since its IPO on Dec. 16th 2020. They are the leader in applying AI to consumer lending.

News for Upstart Holdings Stock (UPST)