Upstart Holdings Inc   (UPST)
Other Ticker:  
Price: $26.1700 $1.83 7.518%
Day's High: $26.23 Week Perf: 10.05 %
Day's Low: $ 23.62 30 Day Perf: 13.63 %
Volume (M): 6,944 52 Wk High: $ 72.58
Volume (M$): $ 181,711 52 Wk Avg: $25.63
Open: $24.21 52 Wk Low: $11.93

 Market Capitalization (Millions $) 2,209
 Shares Outstanding (Millions) 84
 Employees 650
 Revenues (TTM) (Millions $) 520
 Net Income (TTM) (Millions $) -174
 Cash Flow (TTM) (Millions $) -215
 Capital Exp. (TTM) (Millions $) 15

Upstart Holdings Inc
Upstart Holdings Inc is a publicly traded company that provides online personal lending services to consumers. The company was founded in 2012 by ex-Google employees, Dave Girouard, Anna Counselman, and Paul Gu. The company is headquartered in San Francisco, California, and has offices in Columbus, Ohio, and Greenville, South Carolina.

Upstart Holdings Inc uses an artificial intelligence-based underwriting process to evaluate loan applications. The process involves evaluating a borrower's creditworthiness based on factors like their education, employment history, and other personal information. The AI model considers predictive data points like past credit score trends, work history, and education level to determine an applicant's risk profile, and offers personalized pricing offers accordingly.

Upstart's lending platform is unique in the industry as they partner with banks and credit unions to leverage their strong balance sheets and regulatory frameworks. This enables Upstart to provide unsecured consumer loans to borrowers with high credit risk profiles, who may have otherwise been denied loans by traditional lenders.

Upstart offers personal loans for a variety of needs ranging from debt consolidation, credit card payments, refinancing, and personal expenses. Upstart currently offers loans that range from $1,000 to $50,000, with repayment terms ranging from three to five years. The company charges an origination fee of up to 8% of the loan amount, and their APRs start from53%, making it an affordable option for borrowers who qualify.

Upstart Holdings Inc went public on December 16, 2020, through an Initial Public Offering (IPO) and began trading under the ticker symbol 'UPST' on the NASDAQ stock exchange. Their IPO raised $240 million, with its stock popping 47% on the first day of trading. The company's market capitalization stood at approximately $13 billion as of July 2021.

In conclusion, Upstart Holdings Inc is a unique fintech company in the lending industry that aims to disrupt traditional lending practices by leveraging AI-based underwriting methods. Their partnerships with banks and credit unions make them a trustworthy platform for personal loans. While they are relatively new to the market, they have gained significant traction and are expected to continue to grow and innovate in the financial services space.

   Company Address: 2950 S. Delaware Street San Mateo 94403 CA
   Company Phone Number: 212-2461   Stock Exchange / Ticker: NASDAQ UPST
   UPST is expected to report next financial results on February 15, 2024.


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