founded by ex-googlers, upstart is the first lending platform to leverage artificial intelligence and machine learning to price credit and automate the borrowing process. upstart has demonstrated unparalleled credit performance and the industry’s highest consumer ratings. in addition to its direct-to-consumer lending platform, upstart provides technology to banks, credit unions and other partners via a saas offering called powered by upstart. learn more about upstart at https://www.upstart.com/about. find out how to join the team here at https://www.upstart.com/careers!
Company profile
Ticker
UPST
Exchange
Website
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
Corporate docs
Subsidiaries
Upstart Network, Inc. ...
IRS number
464332431
UPST stock data
Latest filings (excl ownership)
8-K
Submission of Matters to a Vote of Security Holders
31 May 24
8-K
Upstart Announces First Quarter 2024 Results
7 May 24
ARS
2023 FY
Annual report to shareholders
5 Apr 24
DEFA14A
Additional proxy soliciting materials
5 Apr 24
DEF 14A
Definitive proxy
5 Apr 24
S-8
Registration of securities for employees
16 Feb 24
10-K
2023 FY
Annual report
15 Feb 24
8-K
Upstart Announces Fourth Quarter and Full Year 2023 Results
13 Feb 24
10-Q
2023 Q3
Quarterly report
7 Nov 23
8-K
Upstart Announces Third Quarter 2023 Results
7 Nov 23
Transcripts
UPST
Earnings call transcript
2024 Q1
7 May 24
UPST
Earnings call transcript
2023 Q4
13 Feb 24
UPST
Earnings call transcript
2023 Q3
7 Nov 23
UPST
Earnings call transcript
2023 Q2
8 Aug 23
UPST
Earnings call transcript
2023 Q1
9 May 23
UPST
Earnings call transcript
2022 Q4
14 Feb 23
UPST
Earnings call transcript
2022 Q3
9 Nov 22
UPST
Earnings call transcript
2022 Q2
9 Aug 22
UPST
Earnings call transcript
2022 Q1
10 May 22
UPST
Earnings call transcript
2021 Q4
15 Feb 22
Latest ownership filings
4
Sanjay Datta
30 May 24
4
Natalia Mirgorodskaya
28 May 24
144
Notice of proposed sale of securities
28 May 24
144
Notice of proposed sale of securities
23 May 24
4
Natalia Mirgorodskaya
22 May 24
4
Sanjay Datta
22 May 24
4
Scott Darling
22 May 24
4
Dave Girouard
22 May 24
4
Paul Gu
21 May 24
144
Notice of proposed sale of securities
20 May 24
Financial summary
Quarter (USD) | Dec 23 | Sep 23 | Jun 23 | Mar 23 | |
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Change in cash | |||||
Diluted EPS |
Annual (USD) | Dec 23 | Dec 22 | Dec 21 | Dec 20 | |
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Revenue | |||||
Cost of revenue | |||||
Operating income | |||||
Operating margin | |||||
Net income | |||||
Net profit margin | |||||
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Change in cash | |||||
Diluted EPS |
Cash burn rate (est.) | Burn method: Change in cash | Burn method: Operating income | Burn method: FCF (opex + capex) | Last Q | Avg 4Q | Last Q | Avg 4Q | Last Q | Avg 4Q |
---|---|---|---|---|---|---|
Cash on hand (at last report) | 467.79 mm | 467.79 mm | 467.79 mm | 467.79 mm | 467.79 mm | 467.79 mm |
Cash burn (monthly) | 49.08 mm | 5.39 mm | 15.83 mm | 21.38 mm | 47.90 mm | 13.37 mm |
Cash used (since last report) | 248.84 mm | 27.33 mm | 80.28 mm | 108.38 mm | 242.87 mm | 67.81 mm |
Cash remaining | 218.95 mm | 440.46 mm | 387.51 mm | 359.40 mm | 224.91 mm | 399.98 mm |
Runway (months of cash) | 4.5 | 81.7 | 24.5 | 16.8 | 4.7 | 29.9 |
Institutional ownership, Q1 2024
46.7% owned by funds/institutions
13F holders | Current |
---|---|
Total holders | 266 |
Opened positions | 217 |
Closed positions | 21 |
Increased positions | 6 |
Reduced positions | 19 |
13F shares | Current |
---|---|
Total value | 927.32 bn |
Total shares | 41.05 mm |
Total puts | 9.68 mm |
Total calls | 8.24 mm |
Total put/call ratio | 1.2 |
Largest owners | Shares | Value |
---|---|---|
Vanguard | 7.13 mm | $191.70 bn |
BLK Blackrock | 5.34 mm | $143.73 bn |
Khosla Ventures Associates V | 5.25 mm | $213.88 mm |
MS Morgan Stanley | 2.26 mm | $60.67 bn |
D. E. Shaw & Co. | 2.03 mm | $54.52 bn |
STT State Street | 1.87 mm | $50.24 bn |
Geode Capital Management | 1.67 mm | $44.83 bn |
Susquehanna International | 1.46 mm | $39.23 bn |
Voloridge Investment Management | 1.02 mm | $27.39 bn |
GS Goldman Sachs | 836.19 k | $22.49 bn |
Recent insider trades
Date | Owner | Security | Transaction | Code | Indirect | 10b5-1 | $Price | #Shares | $Value | #Remaining |
---|---|---|---|---|---|---|---|---|---|---|
28 May 24 | Sanjay Datta | Common Stock | Sell | Dispose S | No | Yes | 23.71 | 1,000 | 23.71 k | 381,398 |
23 May 24 | Natalia Mirgorodskaya | Common Stock | Sell | Dispose S | No | Yes | 24.27 | 2,156 | 52.33 k | 25,821 |
20 May 24 | Dave Girouard | Common Stock | Sell | Dispose S | No | No | 25.6199 | 2,997 | 76.78 k | 64,873 |
20 May 24 | Darling Scott | Common Stock | Sell | Dispose S | No | No | 25.617 | 4,383 | 112.28 k | 199,993 |
20 May 24 | Sanjay Datta | Common Stock | Sell | Dispose S | No | No | 25.6114 | 18,138 | 464.54 k | 382,398 |
News
How Is The Market Feeling About Upstart Hldgs?
23 May 24
A Closer Look at Upstart Hldgs's Options Market Dynamics
22 May 24
10 Financials Stocks With Whale Alerts In Today's Session
13 May 24
GameStop, Squarespace, Incyte And Other Big Stocks Moving Higher On Monday
13 May 24
What's Going On With Upstart Stock?
9 May 24
Press releases
Upstart Announces First Quarter 2024 Results
7 May 24
Upstart Launches First AI Certification Program for Financial Services
1 May 24
Upstart to Report First Quarter 2024 Earnings on May 7, 2024
11 Apr 24
Former Upstart Founding Executive, Jeff Keltner, Joins LawFi as Strategic Advisor
9 Apr 24
Kaua'i Federal Credit Union Selects Upstart for Personal Lending
4 Apr 24