Revenue segments as reported by the company.

Revenue from fees, net

Interest income and fair value adjustments, net

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Gross Profit, Operating Income, and Net Income as a percentage of Revenue

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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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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.

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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's alternative assessment model is starting to show some cracks. Upstart's origination rates have plummeted in a year.

The Fed's Actions Have Hurt Upstart. Is the Stock a Buy?

Upstart reached a tipping point. Up until a few weeks ago, the business was still being speculated as potentially headed into bankruptcy. Even if the likelihood was small. However, right now, after the deal with Castlelake, Upstart is getting the lifeline it desperately needs. With bankruptcy concerns now off the table, Upstart can be valued as a going concern.

Upstart: The Catalyst Needed Fell Into Place

Teladoc

There's no denying that the market has taken investors for a wild ride, but good buys remain. Teladoc's recent losses aren't as alarming as they may appear, and the company is growing.

A Bull Market Is Coming: 2 Revolutionary Growth Stocks to Scoop Up Right Now

Intuitive Surgical

Growth stocks are still seeing plenty of volatility, but some companies stand out from the pack. Intuitive Surgical has withstood many a market storm thanks to a simple but compelling business model.

Got $1,500? 2 Top Growth Stocks to Buy Right Now

Roblox

SoFi Technologies

Roblox might get a summertime boost as kids get out of school and have more time to engage with the platform. Despite reporting a loss, SoFi Technologies' growth rates give a great reason to believe it can thrive in the future.

3 Hot Stocks to Get Your Portfolio Ready for Summer

Cloudflare

Snap

The top growth stocks have consistently outperformed other types of stocks over the past decade, and they have done so with relatively little risk to the downside. Most of these growth stocks have been a wild ride since the pandemic era, and the volatility could continue well into 2024 if recession fears turn out to be correct.

3 Growth Stocks That Could Turn $1,000 into $10,000 by 2030

Prudence has worked well for UPST, as evidenced by the moderation of its loan origination and operating expenses by the latest quarter. Combined with the secured $2B funding despite the recent banking meltdown, we may see the AI fintech demonstrate its proof of concept at a time of AI boom.

Upstart: This Optimism May Not Survive The Downturn

SoFi and Upstart share a common theme that could determine their future prospects. If things don't go well, it could get even uglier.

2 Growth Stocks That Could Become Unstoppable (If 1 Thing Goes Right)

COLUMBUS, Ohio & SAN MATEO, Calif.--(BUSINESS WIRE)--CME Federal Credit Union Selects Upstart for Personal Lending.

CME Federal Credit Union Selects Upstart for Personal Lending

One huge difference between SoFi and Upstart is in the customers they serve.

Best Stock to Buy: SoFi vs. Upstart

Baidu

Alphabet

Microsoft

C3.ai

Intuit

SoundHound AI Inc

Artificial Intelligence is far more than a fleeting trend. And savvy investors really shouldn't miss out.

7 AI Stocks to Make You the Millionaire Next Door

Lemonade

Upstart's AI-driven credit-scoring platform approves more loans without increasing default risks. AI has helped Lemonade streamline insurance sales and offer innovative insurance products.

Better AI Stock: Upstart vs. Lemonade

PayPal

Two financial services companies are pitted together to determine which comes out on top.

Best Growth Stock to Buy: PayPal vs. Upstart

Upstart (NASDAQ: UPST ) stock may be the new major short squeeze candidate on Wall Street lately, at least according to S3 Partners. Specifically, S3 pegged the currently rallying artificial intelligence (AI) lending platform as one of the “squeeziest” stocks around.

S3 Partners Says Upstart (UPST) Stock Is Primed for a Short Squeeze

Why Meta Platforms, C3.ai, Upstart, and Other AI Stocks Surged Monday

The popularity of artificial intelligence has surged since the launch of ChatGPT in November 2022, which was developed by the AI startup OpenAI. This has resulted in the company being valued at $29 billion due to increased demand for its AI technology.

The 3 AI Stocks You Need to Own Now for Maximum Returns

Lemonade's superior user experience and focus on giving back has led to huge growth. The ability of Upstart's platform to better assess credit risk can apply to other lending markets.

Better Buy: Lemonade or Upstart?

Nu Holdings

Alphabet's recent I/O developer conference gave investors plenty to get excited about. Nu Holdings is inviting Latin America's vast unbanked and underbanked population into the mainstream financial system.

Better Late Than Never: 3 Stocks to Buy Now That Are Up More Than 20% This Year

Pagaya operates an AI-powered credit risk platform that helps banks approve more loans, which it sells to institutions as asset-backed securities. Revenue, network volume, and adjusted EBITDA were all higher than expected in the 2023 first quarter.

This AI Stock Is Running Circles Around Upstart, and Wall Street Sees a 249% Upside

Upstart's stock has been on a tear this month. The recent price strength has come on the back of improving sentiment toward future earnings.

Upstart Stock: Can The Rally Continue?

NVIDIA

Microsoft recently invested $10 billion into ChatGPT's maker, OpenAI. Upstart has been a pioneer in AI-based lending.

3 Companies to Consider If You're Looking to Add AI Stocks to Your Portfolio

Upstart announced a $4 billion funding agreement this week. At least one company director thinks the stock has more room to run.

Why Upstart Stock Is Going Parabolic This Week

C3 is struggling with sluggish growth and customer concentration issues. Upstart will remain out of favor as long as interest rates keep climbing.

Better Growth Stock: C3.ai vs. Upstart

Bank of America

JPMorgan Chase & Co

U.S. Bancorp

A regional lender published some unexpectedly good news. In contrast to many investor fears, this bank's deposit base has been growing lately.

Why Bank Stocks Like Bank of America Shot Higher Today

Upstart is coming off a difficult 2022: Demand for consumer credit plunged, and banks trimmed back on risk. But the company just secured substantial funding deals, giving it plenty of runway to originate loans.

News for Upstart Holdings Stock (UPST)