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

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Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Sales and marketing

Customer operations

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Operating Expenses

Year over year growth in Revenue and Operating Expenses.

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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 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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The Federal Reserve cut interest rates for the first time since 2020.

Should You Buy Upstart While It's Below $75?

The stock is up over 100% in a year. Is this a fluke or the start of something bigger?

Upstart Holdings: Buy, Sell, or Hold?

Paymentus Holdings

Earnings season is barely a week old. While the headlines have centered on big banks, Wall Street trading and credit card spending, the deluge of quarterly reports has yet to be seen from the digital upstarts populating the FinTech IPO Index.

FinTech IPO Gains 3.7% as Upstart and Paymentus Lead Platforms Higher

Upstart secured a $2 billion commitment from an outside lender to support loan growth on the platform.

Great News for Upstart Stock Investors

Upstart (UPST) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term.

Upstart (UPST) Moves 15.0% Higher: Will This Strength Last?

Though UPST is well-positioned to benefit from future rate cuts and continued AI advancements, its premium valuation suggests that further upside may be limited in the near term.

Upstart Stock Rallies 114% in 6 Months: Still a Buy or Too Late?

Hims & Hers Health

Look beyond the stock price at the business when shares are volatile.

2 Incredibly Cheap Growth Stocks to Buy Right Now

Blue Owl Capital

SAN MATEO, Calif.--(BUSINESS WIRE)--Blue Owl Capital and Upstart Partner on Consumer Credit in $2 Billion Agreement.

Blue Owl Capital and Upstart Partner on Consumer Credit in $2 Billion Agreement

FinTech lender Upstart Holdings has sold up to $2 billion of consumer installment loans to private credit lender Blue Owl Capital.

Upstart Sells $2 Billion of Consumer Installment Loans to Blue Owl

Upstart (UPST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.

Investors Heavily Search Upstart Holdings, Inc. (UPST): Here is What You Need to Know

The Federal Reserve cut its benchmark interest rate last month, and more cuts are likely coming.

Is It Finally Time to Buy Upstart Stock?

Upstart Holdings, Inc. (UPST) closed the most recent trading day at $43.03, moving +0.33% from the previous trading session.

Upstart Holdings, Inc. (UPST) Rises But Trails Market: What Investors Should Know

NVIDIA

Palantir Technologies

Three analysts are forecasting significant downside to come for some of Wall Street's leading artificial intelligence (AI) companies.

3 Artificial Intelligence (AI) Stocks That Went Parabolic Can Plunge by Up to 78%, According to Select Wall Street Analysts

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Report Third Quarter 2024 Earnings on Nov. 7, 2024.

Upstart to Report Third Quarter 2024 Earnings on Nov. 7, 2024

Shares have soared 45% just in the past couple of months.

Could Buying Upstart Stock Today Set You Up for Life?

AGNC Investment

LendingClub

With interest rates set to fall over the next year, these three stocks could be smart buys today.

The Federal Reserve Is Cutting Interest Rates: 3 Stocks to Buy Today

In the closing of the recent trading day, Upstart Holdings, Inc. (UPST) stood at $38.94, denoting no change from the preceding trading day.

Upstart Holdings, Inc. (UPST) Flat As Market Sinks: What You Should Know

StoneCo

These fintech stocks look ready for a rebound.

2 Stocks Down 88% and 90% to Buy Right Now

LEXINGTON, Mass. & SAN MATEO, Calif.--(BUSINESS WIRE)--MIT Federal Credit Union Selects Upstart for Personal Lending.

MIT Federal Credit Union Selects Upstart for Personal Lending

Robinhood

Redfin

The Federal Reserve slashed the fed funds rate last month, and more cuts are likely on the way.

Interest Rate Cuts Are Terrific News for These 2 Stocks, But Terrible News for Another

This fintech disruptor has already rebounded sharply, but it could be just the beginning.

Down 90% From the Highs, This Stock Could Be a Big Winner of the Fed's Rate Cut

Affirm

Carvana

In recent years, high short-interest stocks have become the playground for retail traders and investors, leading to massive rallies and squeezes. These speculative names, driven by a combination of social media buzz and perceived market inefficiencies, showcase extreme volatility, providing traders with an opportunity to profit from short squeezes.

Watch These 3 Former Short-Squeeze Stocks for a Big Rally

Whirlpool

Companies that make expensive goods and help people access lower-cost credit should see a lift from falling rates.

Falling Interest Rates Could Send These 2 Stocks Surging

Upstart has been experiencing declines and losses for several years now. It's still launching new products and attracting credit partners.

Where Will Upstart Stock Be in 1 Year?

Upstart (UPST) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.

News for Upstart Holdings Stock (UPST)