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

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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.

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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Ally Financial

Both of these stocks are plunging. Does that spell opportunity?

Better Buy: Ally Financial vs. Upstart Stock

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Investors are nervous about the Fed meeting and further interest rate hikes.

Why Upstart, SoFi, and Lemonade Plunged Today

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Amid the most intriguing sectors within the broad innovation space, the top fintech stocks to buy bring much potential to the table. Unfortunately for this year, the segment failed to produce much in the way of positive results for stakeholders.

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The company is laying off employees who helped out with loan processing, as investor demand for loans has dried up.

Upstart Just Fired 140 Hourly Employees. It Needs the Fed's Help More Than Ever.

Upstart (NASDAQ: UPST ) stock is trading lower today after the company announced that it had eliminated 140 hourly jobs. The artificial intelligence (AI) lending platform attributed the cuts to “the challenging economy and reduction in the volume of loans on our platform.

Why Is Upstart (UPST) Stock in the Spotlight Today?

Lending giant Upstart has laid off about 140 employees — or 7% of its total workforce — who help process loan applications, sources told TechCrunch. The cloud-based AI lending platform notified its affected employees about the layoff on Tuesday.

Upstart lays off 7% staff amid weakening demand for loans

Upstart Holdings, Inc. (UPST) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Upstart Holdings, Inc. (UPST) Expected to Beat Earnings Estimates: What to Know Ahead of Q3 Release

Upstart Holdings Inc. UPST, +3.84% has eliminated the positions of 140 hourly employees who processed loan applications, the financial-technology company disclosed in a filing with the Securities and Exchange Commission Tuesday. The company, which uses artificial intelligence to inform lending decisions, attributed the move to "the challenging economy and reduction in the volume of loans on our platform.

Upstart eliminates 140 hourly jobs, stock rises after upbeat SoFi results

After hitting high levels in 2021, Upstart's stock has come crashing down this year.

With Weakening Demand for Loans, Upstart Could Face More Trouble Ahead

The key driver of the stock is the funding situation due to the current funding constraint the business faces. If it improves either through improving market conditions or new committed long-term capital funding sources, the stock recovery will be fierce and rapid, in my view.

Upstart: This Huge Opportunity Could Be Lost In The Blink Of An Eye

The market may be overreacting to a temporary setback.

Should You Really Buy Upstart Stock Right Now?

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Honda Selects Upstart Auto Retail as a Digital Retailing Partner

A slowing global economy is typically not good news for lending companies.

1 Red Flag for Upstart Stock in 2022 (and Beyond)

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Upstart is slated to report its Q3 earnings results on November 8. All eyes will be on whether the company can mitigate its funding challenges. The Fed's rate hikes could reach a peak in December 2022. The upcoming November FOMC meeting will likely provide investors with more clarity on the Fed's positioning.

Upstart Bulls Need The Fed To Help Turn This Around

Commonwealth Credit Union Partners with Upstart for Personal Lending

After losing some value lately, a hammer chart pattern has been formed for Upstart Holdings, Inc. (UPST), indicating that the stock has found support. This, combined with an upward trend in earnings estimate revisions, could lead to a trend reversal for the stock in the near term.

Upstart Holdings, Inc. (UPST) Forms 'Hammer Chart Pattern': Time for Bottom Fishing?

Tech stocks rose broadly across the board.

Why Shares of Upstart Are Gaining Ground Today

The share price may take a few years to recover, but investors will probably be glad they owned this one.

Why Buying Upstart Stock Now Could Be a Genius Move

The fintech start-up is struggling with macroeconomic headwinds that are restraining growth.

What's Going on With Upstart Stock?

Higher provisions at other banks this earnings season appear to be hitting Upstart as collateral damage.

Why Upstart Holdings Fell Today

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Comments from a Federal Reserve official erased the stocks' earlier gains.

Why Upstart, PayPal, and SoFi Stocks Were Volatile Today

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News for Upstart Holdings Stock (UPST)