NASDAQ$UPST

Upstart Holdings Inc · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Headline financials

Total Revenue

$228M

Previous: $65.4M+249.5%
EPS (adj)

$0.60

Previous: $0.32+87.5%
Loans Originated

188.5K

No prior period
Conversion Rate

23.0%

No prior period
Capital Expenditures

-$4.96M

Previous: $374K-1425.1%
Free Cash Flow

$24.2M

Previous: $17.3M+39.2%
Net Income

$29.1M

Previous: $1.74M+1578.0%
Operating Income

$28.6M

Previous: $13.6M+109.6%
Gross Profit

$228M

Previous: $57.4M+297.7%
Cash & Equivalents

$1.17B

Previous: $111M+959.0%
Total Assets

$1.61B

No prior period
Stock-Based Comp

$20.3M

Previous: $2.62M+676.1%

Revenue & EPS history

Upstart · Revenue · Quarterly

$228M

Q3 2021+249.5%vs Q3 2020
Beat estimate in 7 of 11 quarters(64%)
ActualEstimate

Revenue by segment

Upstart · $210M total across 1 segment · Q3 2021

  • Servicing & Other Fees
    $210M+2815.2%

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2021

Historical avgQ3 2021

+4.9%

Avg return

Earnings day

+9.4%

Avg return

5 days after

+11.7%

Avg return

30 days after

42%

10 / 24 earnings

Positive

+91.7%

Q4 2020

Best reaction

-59.9%

Q1 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-8.1%-7.9%-4.6%
Q4 2025-15.0%-21.3%-32.3%
Q3 2025-9.7%-16.2%+1.1%
Q1 2025-9.6%+3.0%+5.7%
Q4 2024+31.8%+22.4%-27.9%
Q3 2024+50.1%+28.6%+42.9%
Q2 2024+39.8%+52.2%+50.0%
Q1 2024-10.3%-1.4%+4.3%
Q4 2023-25.4%-26.2%-34.5%
Q3 2023-27.0%-28.8%+15.6%
Q2 2023-34.5%-35.5%-38.8%
Q1 2023+41.8%+22.5%+144.8%
Q4 2022+34.2%+13.9%-1.8%
Q3 2022-8.4%+21.1%-7.9%
Q2 2022-3.9%+17.4%-10.0%
Q1 2022-59.9%-54.5%-48.3%
Q4 2019-13.7%-19.5%-10.1%
Q4 2021+41.5%+24.3%+11.4%
Q3 2020-5.0%-5.7%-34.7%
Q3 2021-23.3%-21.0%-46.3%
Q2 2020+12.8%+19.2%+51.8%
Q2 2021+24.8%+48.2%+111.1%
Q1 2021+4.1%+17.2%+66.0%
Q4 2020+91.7%+174.6%+74.3%
Q1 2020
Q3 2019

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