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Upstart Holdings Inc   (NASDAQ: UPST)
Other Ticker:  
 
 
Price: $84.1600 $-4.61 -5.193%
Day's High: $96.4294 Week Perf: 22.24 %
Day's Low: $ 83.59 30 Day Perf: 47.65 %
Volume (M): 19,782 52 Wk High: $ 96.43
Volume (M$): $ 1,664,811 52 Wk Avg: $40.82
Open: $87.79 52 Wk Low: $20.60



 Market Capitalization (Millions $) 7,584
 Shares Outstanding (Millions) 90
 Employees 900
 Revenues (TTM) (Millions $) 558
 Net Income (TTM) (Millions $) 0
 Cash Flow (TTM) (Millions $) 41
 Capital Exp. (TTM) (Millions $) 8

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 borroweres 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 applicantes risk profile, and offers personalized pricing offers accordingly.

Upstartes 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 eUPSTe 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


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
PRMC     
IBIO   -3.23%    
KPLT   -0.54%    
LDWY        0.25% 
LOAN   -2.14%    
PRG        1.07% 
• View Complete Report
   



Stocks on the Move

Upstart Holdings Inc A Closer Look at the Recent Surge in Shares Amid a Shifting Financial Landscape

Published Thu, Aug 15 2024 9:11 AM UTC

In the volatile world of the stock market, few stories have captivated investors quite like the meteoric rise of Upstart Holdings Inc. After experiencing a year-to-date performance that trailed the broader market by 14.62%, the fintech company s shares have surged significantly, up as much as 38% following its second-quarter earnings report. This spike raises critical questi...

Upstart Holdings Inc

Upstart Holdings Inc Faces $0.01 Million Tax Charge Amid Financial Success

Upstart Holdings Inc, a Miscellaneous Financial Services company, has recently seen a 7% increase in its stock price over the past 7 days, bringing the share price to -7.42% during the second quarter of 2024. The stock is currently trading on the NASDAQ at -22.8% below its 52 week average.
This recent gain in stock price is significant, especially considering the company's financial performance in the first quarter of 2024. In the Mar 31 2024 report, Upstart Holdings Inc announced a surge in revenue by 24.16% to $127.79 million from the similar financial reporting period a year ago. However, the company has reported a loss of $-0.74 per share.

Upstart Holdings Inc

Upstart Holdings Inc surprises investors with unexpected tax charge of $0.06 million!



Upstart Holdings Inc, a Miscellaneous Financial Services company, faced a challenging October to December 31, 2023, interval as it recorded a loss of $0.48 per share, an improvement compared to the previous year's loss of $0.68 per share. However, this slight improvement does little to alleviate the concerns surrounding the company's declining revenue and mounting deficits. Moreover, despite a potential net profit once a tax charge is excluded, the company's accounts receivable growth and recent stock performance warrant caution.
Contracted Revenue and Industry Divergence
Upstart Holdings Inc witnessed a decline in revenue by 4.493% to $140.31 million during the October to December 31, 2023 interval compared to $146.91 million in the same period the year before. Sequentially, revenue recovered by 4.277% from $134.56 million. However, this growth is overshadowed by the impressive performance of the rest of the Miscellaneous Financial Services sector, which posted a remarkable 13.57% revenue increase during the fourth quarter of 2023. This discrepancy raises significant concerns regarding Upstart Holdings Inc's ability to compete in the industry and generate sustainable revenue growth.

Upstart Holdings Inc

Upstart Rockefeller: Powerhouse Holdings Inc reports record-breaking $0.01 million tax charge

Upstart Holdings Inc, a leading online lender, recently released its financial results for the fiscal quarter ending on September 30, 2023. The company reported a loss per share of $-0.48, a significant improvement compared to the loss per share of $-0.69 in the same period a year ago. Additionally, the loss per share increased by $-0.14 from the previous quarter. Despite the loss, there are positive signs for Upstart Holdings Inc, including a surge in revenue and a decrease in the net shortfall.
The company experienced a decline in revenue of approximately 14.422%, reporting $134.56 million for the quarter compared to $157.23 million in the same period last year. Additionally, the revenue decreased slightly by 0.891% from the previous quarter's $135.77 million. Although the revenue decline is concerning, it is important to note that the company reported a net shortfall of only $-0.010 million, as opposed to the $-0.012 million deficit in the previous year's quarter. The exclusion of a $0.01 million tax charge would result in the company showing a net profit for the quarter.

Upstart Holdings Inc

Upstart Holdings Inc Shows Promise with Strong Financials, But Challenges Loom

Upstart Holdings Inc Shows Promising Financials in Recent Report but Faces Challenges Ahead
Investors in Upstart Holdings Inc, a leading technology company specializing in online lending, received positive news in their latest financial report for the fiscal time-frame ending June 30, 2023. The company managed to decrease its loss per share compared to the previous year and saw an improvement in earnings per share. However, challenges in revenue growth and net shortfall still pose concerns for the company moving forward.
During the stated fiscal period, Upstart Holdings Inc reported a loss per share of $-0.34, a slight decrease from the $-0.36 loss per share reported a year earlier. Additionally, earnings per share improved from $-1.58 in the previous financial reporting period. Despite these positive developments, there is still room for improvement in order to achieve profitability.







Upstart Holdings Inc's Segments
Platform and referral fees net    82.77 % of total Revenue
Servicing and other fees net    20.59 % of total Revenue





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