Upstart Stock Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback

Seeking Alpha2022-02-16

Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.

"With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST)," said co-founder and CEO David Girouard. He also said "auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come."

The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.

It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.

Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.

Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.

During the quarter, UPST's bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.

Conversion on rate requests were 24% vs. 23% in Q3.

Conference call at 4:30 PM ET.

Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

tigertitus
2022-02-16
tigertitus
Is this a time to sell or hold?
Asphen
2022-02-16
Asphen
Missed this one. Had wanted to sell put on it.
Jess261
2022-02-16
Jess261
Okay
SCLIEW
2022-02-16
SCLIEW
666
BoonHuat
2022-02-16
BoonHuat
Nice.
Blokk
2022-02-16
Blokk
Nice!

Leave a comment

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He also said &#34;auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.&#34;</p><p>The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.</p><p>It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.</p><p>Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.</p><p>Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.</p><p>During the quarter, UPST&#39;s bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.</p><p>Conversion on rate requests were 24% vs. 23% in Q3.</p><p>Conference call at 4:30 PM ET.</p><p>Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M</p></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; 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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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-16 07:20 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-...</p>\n\n<a href=\"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2211637931","content_text":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.\"With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),\" said co-founder and CEO David Girouard. He also said \"auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.\"The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.During the quarter, UPST's bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.Conversion on rate requests were 24% vs. 23% in Q3.Conference call at 4:30 PM ET.Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M","news_type":1,"symbols_score_info":{"UPST":1}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":9095442393,"gmtCreate":1644978965761,"gmtModify":1676533982812,"author":{"id":"3576339097425722","authorId":"3576339097425722","name":"Asphen","avatar":"https://community-static.tradeup.com/news/55ff1b64b2787933c17d863ecae83f09","vip":1,"crmLevel":12,"crmLevelSwitch":1,"authorIdStr":"3576339097425722","idStr":"3576339097425722"},"htmlText":"Missed this one. Had wanted to sell put on it.&nbsp;","listText":"Missed this one. Had wanted to sell put on it.&nbsp;","text":"Missed this one. Had wanted to sell put on it.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9095442393","repostId":2211637931,"repostType":4,"repost":{"id":"2211637931","kind":"news","pubTimestamp":1644967227,"share":"https://ttm.financial/m/news/2211637931?lang=en_US&edition=fundamental","pubTime":"2022-02-16 07:20","market":"us","language":"en","title":"Upstart Stock Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback","url":"https://stock-news.laohu8.com/highlight/detail?id=2211637931","media":"Seeking Alpha","summary":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software","content":"<html><head></head><body><p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.</p><p>&#34;With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),&#34; said co-founder and CEO David Girouard. He also said &#34;auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.&#34;</p><p>The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.</p><p>It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.</p><p>Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.</p><p>Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.</p><p>During the quarter, UPST&#39;s bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.</p><p>Conversion on rate requests were 24% vs. 23% in Q3.</p><p>Conference call at 4:30 PM ET.</p><p>Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M</p></body></html>","collect":0,"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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback</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; 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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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-16 07:20 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-...</p>\n\n<a href=\"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2211637931","content_text":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.\"With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),\" said co-founder and CEO David Girouard. He also said \"auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.\"The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.During the quarter, UPST's bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.Conversion on rate requests were 24% vs. 23% in Q3.Conference call at 4:30 PM ET.Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M","news_type":1,"symbols_score_info":{"UPST":1}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":9095483686,"gmtCreate":1644973100823,"gmtModify":1676533981741,"author":{"id":"3586490638953193","authorId":"3586490638953193","name":"Jess261","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":11,"crmLevelSwitch":0,"authorIdStr":"3586490638953193","idStr":"3586490638953193"},"htmlText":"Okay","listText":"Okay","text":"Okay","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9095483686","repostId":2211637931,"repostType":4,"repost":{"id":"2211637931","kind":"news","pubTimestamp":1644967227,"share":"https://ttm.financial/m/news/2211637931?lang=en_US&edition=fundamental","pubTime":"2022-02-16 07:20","market":"us","language":"en","title":"Upstart Stock Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback","url":"https://stock-news.laohu8.com/highlight/detail?id=2211637931","media":"Seeking Alpha","summary":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software","content":"<html><head></head><body><p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.</p><p>&#34;With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),&#34; said co-founder and CEO David Girouard. He also said &#34;auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.&#34;</p><p>The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.</p><p>It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.</p><p>Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.</p><p>Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.</p><p>During the quarter, UPST&#39;s bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.</p><p>Conversion on rate requests were 24% vs. 23% in Q3.</p><p>Conference call at 4:30 PM ET.</p><p>Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M</p></body></html>","collect":0,"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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback</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; 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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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-16 07:20 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-...</p>\n\n<a href=\"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2211637931","content_text":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.\"With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),\" said co-founder and CEO David Girouard. He also said \"auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.\"The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.During the quarter, UPST's bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.Conversion on rate requests were 24% vs. 23% in Q3.Conference call at 4:30 PM ET.Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M","news_type":1,"symbols_score_info":{"UPST":1}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":9095410149,"gmtCreate":1644971782470,"gmtModify":1676533981378,"author":{"id":"4092970777728640","authorId":"4092970777728640","name":"SCLIEW","avatar":"https://static.tigerbbs.com/5da553e4d3d35db75d1caae023ca8a03","vip":1,"crmLevel":11,"crmLevelSwitch":0,"authorIdStr":"4092970777728640","idStr":"4092970777728640"},"htmlText":"666","listText":"666","text":"666","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9095410149","repostId":2211637931,"repostType":4,"repost":{"id":"2211637931","kind":"news","pubTimestamp":1644967227,"share":"https://ttm.financial/m/news/2211637931?lang=en_US&edition=fundamental","pubTime":"2022-02-16 07:20","market":"us","language":"en","title":"Upstart Stock Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback","url":"https://stock-news.laohu8.com/highlight/detail?id=2211637931","media":"Seeking Alpha","summary":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software","content":"<html><head></head><body><p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.</p><p>&#34;With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),&#34; said co-founder and CEO David Girouard. He also said &#34;auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.&#34;</p><p>The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.</p><p>It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.</p><p>Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.</p><p>Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.</p><p>During the quarter, UPST&#39;s bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.</p><p>Conversion on rate requests were 24% vs. 23% in Q3.</p><p>Conference call at 4:30 PM ET.</p><p>Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M</p></body></html>","collect":0,"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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback</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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-16 07:20 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-...</p>\n\n<a href=\"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2211637931","content_text":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.\"With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),\" said co-founder and CEO David Girouard. He also said \"auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.\"The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.During the quarter, UPST's bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.Conversion on rate requests were 24% vs. 23% in Q3.Conference call at 4:30 PM ET.Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M","news_type":1,"symbols_score_info":{"UPST":1}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":9095436167,"gmtCreate":1644971345892,"gmtModify":1676533981251,"author":{"id":"3574549633778650","authorId":"3574549633778650","name":"BoonHuat","avatar":"https://static.tigerbbs.com/f64154b666040668c472fc3731becde7","vip":1,"hat":"https://static.tigerbbs.com/f3e7f6253c885de8bad6403055b76aab","crmLevel":12,"crmLevelSwitch":1,"authorIdStr":"3574549633778650","idStr":"3574549633778650"},"htmlText":"Nice.","listText":"Nice.","text":"Nice.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9095436167","repostId":2211637931,"repostType":4,"repost":{"id":"2211637931","kind":"news","pubTimestamp":1644967227,"share":"https://ttm.financial/m/news/2211637931?lang=en_US&edition=fundamental","pubTime":"2022-02-16 07:20","market":"us","language":"en","title":"Upstart Stock Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback","url":"https://stock-news.laohu8.com/highlight/detail?id=2211637931","media":"Seeking Alpha","summary":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software","content":"<html><head></head><body><p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.</p><p>&#34;With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),&#34; said co-founder and CEO David Girouard. He also said &#34;auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.&#34;</p><p>The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.</p><p>It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.</p><p>Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.</p><p>Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.</p><p>During the quarter, UPST&#39;s bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.</p><p>Conversion on rate requests were 24% vs. 23% in Q3.</p><p>Conference call at 4:30 PM ET.</p><p>Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M</p></body></html>","collect":0,"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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback</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; 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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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-16 07:20 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-...</p>\n\n<a href=\"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2211637931","content_text":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.\"With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),\" said co-founder and CEO David Girouard. He also said \"auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.\"The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.During the quarter, UPST's bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.Conversion on rate requests were 24% vs. 23% in Q3.Conference call at 4:30 PM ET.Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M","news_type":1,"symbols_score_info":{"UPST":1}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":9095493311,"gmtCreate":1644970253330,"gmtModify":1676533980960,"author":{"id":"3585967633447217","authorId":"3585967633447217","name":"Blokk","avatar":"https://static.tigerbbs.com/41113e8716dd467d6afdee4030a0d7f2","vip":1,"crmLevel":11,"crmLevelSwitch":1,"authorIdStr":"3585967633447217","idStr":"3585967633447217"},"htmlText":"Nice!","listText":"Nice!","text":"Nice!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9095493311","repostId":2211637931,"repostType":2,"repost":{"id":"2211637931","kind":"news","pubTimestamp":1644967227,"share":"https://ttm.financial/m/news/2211637931?lang=en_US&edition=fundamental","pubTime":"2022-02-16 07:20","market":"us","language":"en","title":"Upstart Stock Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback","url":"https://stock-news.laohu8.com/highlight/detail?id=2211637931","media":"Seeking Alpha","summary":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software","content":"<html><head></head><body><p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.</p><p>&#34;With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),&#34; said co-founder and CEO David Girouard. He also said &#34;auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.&#34;</p><p>The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.</p><p>It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.</p><p>Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.</p><p>Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.</p><p>During the quarter, UPST&#39;s bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.</p><p>Conversion on rate requests were 24% vs. 23% in Q3.</p><p>Conference call at 4:30 PM ET.</p><p>Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M</p></body></html>","collect":0,"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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback</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; 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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 Soars after Q4 Earnings Beat, Strong Guidance, Stock Buyback\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-16 07:20 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-...</p>\n\n<a href=\"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://seekingalpha.com/news/3800395-upstart-stock-soars-after-q4-earnings-beat-strong-guidance-stock-buyback","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2211637931","content_text":"Upstart Holdings (NASDAQ:UPST) stock surges 24% in after-hours trading after the AI lending software company announced a $400M stock buyback program, issued strong Q1 guidance, and posted better-than-expected Q4 results.\"With triple-digit growth and record profits, Q4 was an exceptional finish to a breakout year for Upstart (UPST),\" said co-founder and CEO David Girouard. He also said \"auto loan originations on our platform are now ramping quickly and will provide growth opportunities to Upstart for years to come.\"The lending software company issued Q1 revenue guidance of $295M-$305M vs. consensus of $258.3M. The company expects Q1 adjusted EBITDA of $56M-$58M compared with $50.6M Visible Alpha consensus, and Q1 adjusted net income of $50M-$52M vs. $87M reported in Q4 2021.It also sees contribution margin of ~46% in Q1 vs. 45.9% Visible Alpha consensus.Q4 revenue of $305M compared with average analyst estimate of $262.9M; increased from $228M in Q3 and $86.7M in the year-ago quarter; total fee revenue of $287M rose from $210M in Q3 and $84.4M a year ago.Q4 adjusted EPS rose to $0.89, beating the $0.51 consensus, from $0.60 in Q3 and $0.07 in Q4 2020.During the quarter, UPST's bank partners originated 495,205 loans, totaling $4.1B across its platform and compared with 362,780 loans totaling $3.13B in Q3 2021.Conversion on rate requests were 24% vs. 23% in Q3.Conference call at 4:30 PM ET.Earlier, Upstart (UPST) non-GAAP EPS of $0.89 beats by $0.38, revenue of $304.85M beats by $42M","news_type":1,"symbols_score_info":{"UPST":1}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"}],"isCommentEnd":false,"newsSizeData":{"likeSize":150,"commentSize":19,"repostSize":0,"favoriteSize":1,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.35.12","shortVersion":"4.35.12","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2211637931","isCrawlerRequest":true}