Upstart Stock Surges 27% on Strong Guidance, Double-Beat on Q4 Results

Tiger Newspress

12 Feb

Upstart Holdings, Inc. shares spiked 27% in premarket trading after the AI-driven lending platform delivered a double-beat on Q4 2024 results, buoyed by an acceleration in origination activity, and issued strong guidance.

The company sees full-year 2025 revenue of about $1B, surpassing the $823.1M average analyst estimate, with revenue from fees of ~$920M and net interest income of ~$80M. It also expects adjusted EBITDA margin of ~18% (vs. 13% Visible Alpha estimate).

For Q1 2025, it expects revenue of ~$200M (vs. $184.6M Wall Street consensus); adjusted EBITDA of ~$27M (vs. $10.7M Visible Alpha estimate).

Turning to Q4 2024 results, adjusted EPS of $0.26, blowing past the -$0.04 consensus, jumped from -$0.06 in the prior quarter and -$0.11 a year before.

Q4 revenue of $219M, also surpassing the $181.9M consensus, climbed from $162.1M in Q3 and +56% from the year-ago period.

“In Q4 of 2024, our business grew dramatically across all product categories, delivered Adjusted EBITDA at levels not seen since the first quarter of 2022, and came within a whisker of returning to GAAP profitability,” said Co-Founder and CEO Dave Girouard.

Adjusted EBITDA of $38.8M, handily beating the Visible Alpha estimate of $6.1M, compared with $1.4M in Q3 and $0.6M in Q4 2023. Adjusted EBITDA Margin was 18% of total revenue, up from 0% in Q4 2023.

During the quarter, 245,663 loans were originated, totaling $2.1B, up 68% Y/Y and up 33% Q/Q. Its conversion rate was 19.3%, up from 11.6% in Q4 2023.

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It also expects adjusted EBITDA margin of ~18% (vs. 13% Visible Alpha estimate).</p><p style=\"text-align: left;\">For Q1 2025, it expects revenue of ~$200M (vs. $184.6M Wall Street consensus); adjusted EBITDA of ~$27M (vs. $10.7M Visible Alpha estimate).</p><p style=\"text-align: left;\">Turning to Q4 2024 results, adjusted EPS of $0.26, blowing past the -$0.04 consensus, jumped from -$0.06 in the prior quarter and -$0.11 a year before.</p><p style=\"text-align: left;\">Q4 revenue of $219M, also surpassing the $181.9M consensus, climbed from $162.1M in Q3 and +56% from the year-ago period.</p><p style=\"text-align: left;\">“In Q4 of 2024, our business grew dramatically across all product categories, delivered Adjusted EBITDA at levels not seen since the first quarter of 2022, and came within a whisker of returning to GAAP profitability,” said Co-Founder and CEO Dave Girouard.</p><p style=\"text-align: left;\">Adjusted EBITDA of $38.8M, handily beating the Visible Alpha estimate of $6.1M, compared with $1.4M in Q3 and $0.6M in Q4 2023. Adjusted EBITDA Margin was 18% of total revenue, up from 0% in Q4 2023.</p><p style=\"text-align: left;\">During the quarter, 245,663 loans were originated, totaling $2.1B, up 68% Y/Y and up 33% Q/Q. Its conversion rate was 19.3%, up from 11.6% in Q4 2023.</p></body></html>","source":null,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Upstart Stock Surges 27% on Strong Guidance, Double-Beat on Q4 Results</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nUpstart Stock Surges 27% on Strong Guidance, Double-Beat on Q4 Results\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time\">2025-02-12 17:11</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p> <a href=\"https://laohu8.com/S/UPST\">Upstart Holdings, Inc.</a>  shares spiked 27% in premarket trading after the AI-driven lending platform delivered a double-beat on Q4 2024 results, buoyed by an acceleration in origination activity, and issued strong guidance.</p><p></p><p class=\"t-img-caption\"><img src=\"https://community-static.tradeup.com/news/4b76dc7c5bbfc7e576029eee3bb0d492\" tg-width=\"422\" tg-height=\"399\"/></p><p style=\"text-align: left;\">The company sees full-year 2025 revenue of about $1B, surpassing the $823.1M average analyst estimate, with revenue from fees of ~$920M and net interest income of ~$80M. It also expects adjusted EBITDA margin of ~18% (vs. 13% Visible Alpha estimate).</p><p style=\"text-align: left;\">For Q1 2025, it expects revenue of ~$200M (vs. $184.6M Wall Street consensus); adjusted EBITDA of ~$27M (vs. $10.7M Visible Alpha estimate).</p><p style=\"text-align: left;\">Turning to Q4 2024 results, adjusted EPS of $0.26, blowing past the -$0.04 consensus, jumped from -$0.06 in the prior quarter and -$0.11 a year before.</p><p style=\"text-align: left;\">Q4 revenue of $219M, also surpassing the $181.9M consensus, climbed from $162.1M in Q3 and +56% from the year-ago period.</p><p style=\"text-align: left;\">“In Q4 of 2024, our business grew dramatically across all product categories, delivered Adjusted EBITDA at levels not seen since the first quarter of 2022, and came within a whisker of returning to GAAP profitability,” said Co-Founder and CEO Dave Girouard.</p><p style=\"text-align: left;\">Adjusted EBITDA of $38.8M, handily beating the Visible Alpha estimate of $6.1M, compared with $1.4M in Q3 and $0.6M in Q4 2023. Adjusted EBITDA Margin was 18% of total revenue, up from 0% in Q4 2023.</p><p style=\"text-align: left;\">During the quarter, 245,663 loans were originated, totaling $2.1B, up 68% Y/Y and up 33% Q/Q. Its conversion rate was 19.3%, up from 11.6% in Q4 2023.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":null,"symbol_name":null,"start_time":0,"source_url":"","article_id":"1176408074","we_media_id":"1079075236","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=1176408074","pubTimestamp":1739351466,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Tiger Newspress","introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"summary":" $Upstart Holdings, Inc.(UPST)$  shares spiked 27% in premarket trading after the AI-driven lending platform delivered a double-beat on Q4 2024 results, buoyed by an acceleration in origination activi","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{},"translate_title":"Upstart股价因强劲指引飙升27%，第四季度业绩翻倍","themeId":"29511faeeb2e5adeefda2d53ec6d86fc","isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"UPST":1.1},"content_text":"Upstart Holdings, Inc.  shares spiked 27% in premarket trading after the AI-driven lending platform delivered a double-beat on Q4 2024 results, buoyed by an acceleration in origination activity, and issued strong guidance.The company sees full-year 2025 revenue of about $1B, surpassing the $823.1M average analyst estimate, with revenue from fees of ~$920M and net interest income of ~$80M. It also expects adjusted EBITDA margin of ~18% (vs. 13% Visible Alpha estimate).For Q1 2025, it expects revenue of ~$200M (vs. $184.6M Wall Street consensus); adjusted EBITDA of ~$27M (vs. $10.7M Visible Alpha estimate).Turning to Q4 2024 results, adjusted EPS of $0.26, blowing past the -$0.04 consensus, jumped from -$0.06 in the prior quarter and -$0.11 a year before.Q4 revenue of $219M, also surpassing the $181.9M consensus, climbed from $162.1M in Q3 and +56% from the year-ago period.“In Q4 of 2024, our business grew dramatically across all product categories, delivered Adjusted EBITDA at levels not seen since the first quarter of 2022, and came within a whisker of returning to GAAP profitability,” said Co-Founder and CEO Dave Girouard.Adjusted EBITDA of $38.8M, handily beating the Visible Alpha estimate of $6.1M, compared with $1.4M in Q3 and $0.6M in Q4 2023. Adjusted EBITDA Margin was 18% of total revenue, up from 0% in Q4 2023.During the quarter, 245,663 loans were originated, totaling $2.1B, up 68% Y/Y and up 33% Q/Q. Its conversion rate was 19.3%, up from 11.6% in Q4 2023.","kind":"news","is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"code":"91000000","status":"200"}}}