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

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Earnings data Q1 2022

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Earnings data Q1 2023

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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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Cost of revenue

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EBITDA

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Earnings per share

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Current assets

Cash & equivalents

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Inventory

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Net PPE

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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 financing

Change in stock

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Cash from other sources

Net change in cash

Free cash flow

Upstart's Q1 earnings beat expectations on both the top and bottom lines. The company's revenue base showed a solid 24% Y/Y growth in Q1. Personal loans, in both volume and transaction dollars, have seen double-digit growth. UPST's prospects are improving with the Federal Reserve's interest rate pivot, making it an attractive bet for growth investors.

Upstart: A Great Anti-Cyclical AI Lending Bet

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Upstart stock soared 2,000% shortly after going public in 2020 as it impressed investors with a lending algorithm based on artificial intelligence. But rising interest rates have crushed demand for loans, and the stock has since lost 94% of its value.

1 Artificial Intelligence (AI) Stock Down 94% You Might Want to Buy Before Interest Rates Fall

This business has successfully developed a real-world use case for AI that's already found adoption. However, unfavorable macro conditions continue to severely impact financial results.

1 AI Stock Down 93%: Should You Buy It Right Now?

Upstart Holdings' stock fell 6% after presenting Q1 financial results, but sales growth returned and a favorable change in fundamentals is expected. Sales in Q1 grew 24% YoY to $127.8 million, and fee-derived revenues increased 18% YoY to $138.1 million. Lower short-term interest rates are expected to benefit Upstart Holdings' AI lending business, and loan demand is set to grow.

Upstart Q1: Solid Value Proposition For Long-Term Investors

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Although the revenue and EPS for Upstart (UPST) give a sense of how its business performed in the quarter ended March 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Compared to Estimates, Upstart (UPST) Q1 Earnings: A Look at Key Metrics

Upstart Holdings, Inc. (UPST) came out with a quarterly loss of $0.31 per share versus the Zacks Consensus Estimate of a loss of $0.38. This compares to loss of $0.47 per share a year ago.

Upstart Holdings, Inc. (UPST) Reports Q1 Loss, Tops Revenue Estimates

If you are in the business of providing loans, there will always be a demand for your product.  As for the customers that need to be served, the total addressable market (TAM) for annual loan originations is a whopping $3 trillion.

Upstart, Like Its Customers, Remains Focused on Return to Growth

Upstart Holdings Inc. beat expectations with its latest earnings, but the company's forecast for the current quarter came up short.

Upstart beats on earnings but misses with its forecast

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces First Quarter 2024 Results.

Upstart Announces First Quarter 2024 Results

Upstart Holdings' (UPST) first-quarter 2024 performance is likely to have gained from the innovative product launches, efforts to automate the lending process and growing partnerships.

Upstart Holdings (UPST) to Report Q1 Earnings: What's in Store?

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SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart launches first AI Certification Program for Financial Services.

Upstart Launches First AI Certification Program for Financial Services

Upstart (UPST) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Will Upstart Holdings, Inc. (UPST) Report Negative Earnings Next Week? What You Should Know

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Analysts Are Sounding the Alarm Bells on These 7 Stocks: April 2024

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SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Launches Recognized Customer Personalization.

Upstart Launches Recognized Customer Personalization

Upstart Holdings, Inc. (UPST) reachead $23.12 at the closing of the latest trading day, reflecting a +0.78% change compared to its last close.

Upstart Holdings, Inc. (UPST) Outperforms Broader Market: What You Need to Know

Upstart has been experiencing elevated volatility due to lower confidence in interest rate cuts. Growth has disappeared due to capital constraints, but management continues to focus on cost discipline. The stock is attractively priced assuming an eventual reduction in interest rates.

Upstart: A Coiled Spring Waiting For Lower Interest Rates (Rating Upgrade)

Upstart (UPST) partners with PriorityONE to provide an improved digital personal lending experience with affordable credit for the latter's community.

News for Upstart Holdings Stock (UPST)