Stock UPST UPSTART HOLDINGS, INC.
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Company Upstart Holdings, Inc.

Equities

UPST

US91680M1071

Consumer Lending

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-19 pm EDT 		5-day change 1st Jan Change
21.87 USD -1.97% Intraday chart for Upstart Holdings, Inc. -8.19% -46.48%
Apr. 17 PriorityOne Credit Union of Florida Selects Upstart for Personal Lending CI
Apr. 16 North American Morning Briefing : Powell Comments, More Earnings Eyed DJ

Business Summary

Upstart Holdings, Inc. is an artificial intelligence (AI) lending marketplace. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. It applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture.

Number of employees: 1,388

Sales per Business

USD in Million2022Weight2023Weight Delta
Fees
109.1 %
907 107.7 % 560 109.1 % -38.23%
Interest Income, Interest Expense, and Fair Value Adjustments
-9.1 %
-65 -7.7 % -47 -9.1 % -27.70%

Sales per region

USD in Million2022Weight2023Weight Delta
United States
100.0 %
842 100.0 % 514 100.0 % -39.04%

Managers

Managers TitleAgeSince
Paul Gu FOU
 Founder 33 13-11-30
Anna Counselman FOU
 Founder 43 13-11-30
Dave Girouard CEO
 Chief Executive Officer 58 13-11-30
Sanjay Datta DFI
 Director of Finance/CFO 50 16-11-30
Rosemary Kendrick COO
 Chief Operating Officer - 17-11-30
Jason Schmidt IRC
 Investor Relations Contact - 21-02-28
Andrew Kovacs IRO
 Public Communications Contact - 22-07-31
Becca Gelenberg HRO
 Human Resources Officer - 19-11-30
Annie Delgado PRN
 Corporate Officer/Principal - 15-10-31
Natalia Mirgorodskaya AUD
 Comptroller/Controller/Auditor - -

Members of the board

Members of the board TitleAgeSince
Mary Hentges BRD
 Director/Board Member 65 19-11-30
Sukhinder Kaur Singh Cassidy BRD
 Director/Board Member 54 20-01-31
Hilliard Terry BRD
 Director/Board Member 54 19-01-31
Jeffrey Huber BRD
 Director/Board Member 55 21-05-31
Dave Girouard CEO
 Chief Executive Officer 58 13-11-30
Kerry Cooper BRD
 Director/Board Member 52 21-03-14
Paul Gu FOU
 Founder 33 13-11-30
Ciaran O’Kelly BRD
 Director/Board Member 55 18-03-31

Share class

VoteQuantityFree-FloatCompany-owned sharesTotal Float
Stock A 1 87,805,391 76,292,157 ( 86.89 %) 0 86.89 %

Shareholders

NameEquities%Valuation
Dave Girouard
12.44 %
10,755,687 12.44 % 289 M $
Vanguard Fiduciary Trust Co.
8.115 %
7,013,918 8.115 % 189 M $
BlackRock Advisors LLC
5.999 %
5,184,704 5.999 % 139 M $
D.E. Shaw & Co., Inc.
3.846 %
3,324,441 3.846 % 89 M $
Morgan Stanley Investment Management, Inc.
2.467 %
2,132,561 2.467 % 57 M $
Jane Street Group LLC
2.212 %
1,911,771 2.212 % 51 M $
STATE STREET CORPORATION
2.124 %
1,835,469 2.124 % 49 M $
Geode Capital Management LLC
1.855 %
1,603,464 1.855 % 43 M $
BMO Bank NA (Investment Management)
1.604 %
1,386,384 1.604 % 37 M $
Merrill Lynch International
1.565 %
1,352,341 1.565 % 36 M $

Company contact information

Upstart Holdings, Inc.

2950 South Delaware Street Suite 410

94403, San Mateo

+833 212 2461

http://www.upstart.com
address Upstart Holdings, Inc.(UPST)

Group companies

NameCategory and Sector
Upstart Mortgage LLC
Upstart Auto Warehouse Trust
Investment Trusts/Mutual Funds

Sector

Financials
Banking & Investment Services
Banking Services
Consumer Lending
Consumer Leasing

Sales per Business

Ratings for Upstart Holdings, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
UNDERPERFORM
Number of Analysts
16
Last Close Price
21.87 USD
Average target price
20.61 USD
Spread / Average Target
-5.77%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Consumer Leasing

1st Jan change Capi.
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Consumer Leasing
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