UPST

BURLINGAME, Calif., July 06, 2026--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, will hold a conference call to discuss its second quarter 2026 financial results on Tuesday, August 4, 2026, at 1:30 p.m. PT / 4:30 p.m. ET. The company’s earnings press release and investor presentation will be available on its investor relations website at ir.upstart.com after the market closes that day. Live webcast. The live webcast and a replay will be available on Upstart’s investor relations website. Conference Call Dial-In. To access the live conference call in the United States and Canada: 800-330-6710, conference code 7744842. To access the live conference call outside of the United States and Canada: +1 312-471-1353, conference code 7744842. About Upstart Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive loans, home equity lines of credit, and Upstart’s new Cash Line product, a revolving line of credit. Upstart is based in Burlingame, California. View source version on businesswire.com: https://www.businesswire.com/news/home/20260706497217/en/ Contacts Investors Sonya [email protected] Press Eric [email protected]

The end of the earnings season is always a good time to take a step back and see who shined (and who didn’t). Let’s take a look at how vertical software stocks fared in Q1, starting with Upstart (NASDAQ:UPST). Software is eating the world, and while a large number of solutions such as project management or video conferencing software can be useful to a wide array of industries, some have very specific needs. As a result, vertical software, which addresses industry-specific workflows, is growing and fueled by the pressures to improve productivity, whether it be for a life sciences, education, or banking company. The 14 vertical software stocks we track reported a satisfactory Q1. As a group, revenues beat analysts’ consensus estimates by 2.2% while next quarter’s revenue guidance was 0.6% below. Amidst this news, share prices of the companies have had a rough stretch. On average, they are down 8.8% since the latest earnings results. Using over 2,500 data variables and trained on nearly 82 million repayment events, Upstart (NASDAQ:UPST) is an AI-powered lending platform that uses machine learning to help banks and credit unions more accurately assess borrower risk for personal loans, auto loans, and home equity lines of credit. Upstart reported revenues of $308.2 million, up 44.4% year on year. This print exceeded analysts’ expectations by 1.7%. Despite the top-line beat, it was still a softer quarter for the company with a significant miss of analysts’ EBITDA estimates and full-year revenue guidance slightly missing analysts’ expectations. Upstart achieved the fastest revenue growth of the whole group. Unsurprisingly, the stock is up 3.7% since reporting and currently trades at $32.32. Is now the time to buy Upstart? Access our full analysis of the earnings results here, it’s free. Originally named after Adobe Creek that ran behind co-founder John Warnock's house, Adobe (NASDAQ:ADBE) develops software products used for digital content creation, document management, and marketing solutions across desktop, mobile, and cloud platforms. Adobe reported revenues of $6.62 billion, up 12.7% year on year, outperforming analysts’ expectations by 2.6%. The business had an exceptional quarter with an impressive beat of analysts’ billings estimates and EPS guidance for next quarter exceeding analysts’ expectations. Adobe achieved the highest guidance raise and highest ful...

Over the last 7 days, the United States market has dropped by 2.5%, yet it has risen by 23% over the past year, with earnings expected to grow by 17% annually in the coming years. In this context of fluctuating performance and anticipated growth, stocks with high insider ownership can be appealing as they often signal confidence from those closest to the company's operations and potential for substantial earnings growth. Click here to see the full list of 176 stocks from our Fast Growing US Companies With High Insider Ownership screener. Below we spotlight a couple of our favorites from our exclusive screener. Simply Wall St Growth Rating: ★★★★★☆ Overview: ImmunityBio, Inc. is a biotechnology company dedicated to developing and commercializing advanced immunotherapies aimed at enhancing the immune system's response to cancer and infectious diseases, with a market cap of approximately $7.25 billion. Operations: The company generates revenue of $140.98 million from its segment focused on developing next-generation therapies. Insider Ownership: 28.2% Earnings Growth Forecast: 64.1% p.a. ImmunityBio, a growth-focused company with significant insider ownership, is advancing its ANKTIVA treatment for BCG-unresponsive non-muscle invasive bladder cancer. Recent FDA acceptance of its supplemental Biologics License Application could expand ANKTIVA's indications. Despite expected revenue growth of 47.8% annually, ImmunityBio faces financial challenges with less than a year of cash runway and recent shareholder dilution. Analysts agree on potential stock price appreciation, though the company currently trades significantly below estimated fair value. Unlock comprehensive insights into our analysis of ImmunityBio stock in this growth report. Upon reviewing our latest valuation report, ImmunityBio's share price might be too pessimistic. Simply Wall St Growth Rating: ★★★★☆☆ Overview: Li Auto Inc. operates in the energy vehicle market in the People’s Republic of China with a market cap of approximately $14.48 billion. Operations: Li Auto generates revenue primarily from its auto manufacturing segment, totaling CN¥109.37 billion. Insider Ownership: 33% Earnings Growth Forecast: 61.6% p.a. Li Auto, characterized by high insider ownership, is navigating growth amid challenges. The company forecasts a 13% annual revenue increase, outpacing the US market. However, recent earning...

The United States market has experienced a notable upswing, climbing 1.6% in the last week and up 28% over the past year, with earnings projected to grow by 17% annually. In this environment, growth companies with high insider ownership stand out as potentially attractive investments due to their alignment of interests between management and shareholders and their potential for significant earnings expansion. Click here to see the full list of 176 stocks from our Fast Growing US Companies With High Insider Ownership screener. Let's uncover some gems from our specialized screener. Simply Wall St Growth Rating: ★★★★★☆ Overview: AIRO Group Holdings, Inc. is a multi-faceted advanced Aerospace and Defense company operating in the United States, Europe, and internationally, with a market cap of $282.38 million. Operations: The company's revenue segments consist of Drones at $77.13 million, Avionics at $6.38 million, and Training at $4.51 million. Insider Ownership: 12.6% Earnings Growth Forecast: 67.2% p.a. AIRO Group Holdings is poised for growth with expected revenue expansion of 28.5% annually, outpacing the US market. Despite a volatile share price, insider transactions show more buying than selling recently. The company is exploring acquisitions to enhance its drone and avionics platforms while planning share repurchases to boost shareholder value. Recent product unveilings highlight AIRO's focus on defense and government applications, with promising advancements in autonomous aircraft technology aimed at commercialization by 2027. Click to explore a detailed breakdown of our findings in AIRO Group Holdings' earnings growth report. In light of our recent valuation report, it seems possible that AIRO Group Holdings is trading behind its estimated value. Simply Wall St Growth Rating: ★★★★★★ Overview: Astera Labs, Inc. designs, manufactures, and sells semiconductor-based connectivity solutions for cloud and AI infrastructure with a market cap of $58.77 billion. Operations: The company's revenue primarily comes from its semiconductor segment, amounting to $1.00 billion. Insider Ownership: 10.3% Earnings Growth Forecast: 31.5% p.a. Astera Labs is experiencing rapid growth, with earnings projected to increase significantly at 31.5% annually, surpassing the US market average. Despite recent insider selling, the company’s revenue is expected to grow 26.4% per year, d...

Pagaya Technologies PGY is leaning into a different narrative in 2026: scaling profits without loosening credit standards. The first quarter reinforced that shift, with another GAAP profit and clear evidence of operating leverage.Management also raised its full-year GAAP net income outlook, while pointing to fee generation, disciplined spending, and a more durable funding playbook as key supports. First-quarter 2026 adjusted earnings of 73 cents beat the Zacks Consensus Estimate of 48 cents, as profitability improved year over year. GAAP net income attributable to Pagaya rose to $24.7 million from $7.9 million in the prior-year quarter. Pagaya Technologies Ltd. price-consensus-eps-surprise-chart | Pagaya Technologies Ltd. Quote The setup was straightforward: total revenues and other income increased 9.6% year over year to $317.9 million, while total costs and operating expenses declined 1.8% to $237.9 million. Lower technology, data and product development costs, along with lower general and administrative costs, helped drive that expense improvement.The first quarter fits into a broader operating leverage trend. Revenue growth has been outpacing expense growth, helping margins improve and supporting a profitability streak into 2026. Operational efficiencies and tighter cost discipline have been reinforced by better performance in personal loans and auto lending, keeping spending in check as the platform scales. Management raised full-year 2026 GAAP net income guidance to $110-$160 million, up from $100-$150 million previously. Adjusted EBITDA guidance was also updated to $420-$460 million from $410-$460 million. The company also expects 2026 network volume of $11.45-$13 billion, with the lower end lifted by about $200 million versus prior guidance, and total revenues projected at $1.4-$1.575 billion. For the second quarter, management projects network volume of $2.875-$3.075 billion and total revenues of $345-$365 million, alongside adjusted EBITDA of $100-$115 million and GAAP net income of $25-$45 million. The drivers behind the higher net income outlook center on fee generation, operating leverage, and disciplined spending. At the same time, management continues to factor in a conservative macro stance and selective underwriting, which can temper near-term volume even as profitability improves. Earnings Estimates Image Source: Zacks Investment Research P...

The United States market has shown robust performance, climbing 1.6% in the last 7 days and up 28% over the past year, with earnings forecasted to grow by 17% annually. In this thriving environment, growth companies with high insider ownership can be particularly appealing as they often signal strong confidence from those closest to the business and can offer significant potential for earnings growth. Click here to see the full list of 176 stocks from our Fast Growing US Companies With High Insider Ownership screener. Underneath we present a selection of stocks filtered out by our screen. Simply Wall St Growth Rating: ★★★★★☆ Overview: REalloys Inc. is a North American company specializing in rare earth metals and permanent magnets, with a market cap of $548.05 million. Operations: The company's revenue is primarily derived from its Metals & Mining - Miscellaneous segment, totaling $0.80 million. Insider Ownership: 31.8% Earnings Growth Forecast: 69.1% p.a. REalloys, with high insider ownership, is poised for significant growth, driven by strategic alliances and innovative technologies. The company recently announced a partnership with Ramaco Resources to secure rare earth materials essential for U.S. strategic sectors. Despite reporting a net loss of US$75.56 million in 2025 and delayed SEC filings, REalloys' revenue is forecasted to grow rapidly at 66.8% annually, outpacing the market average significantly, although share price volatility remains a concern. Navigate through the intricacies of REalloys with our comprehensive analyst estimates report here. Insights from our recent valuation report point to the potential overvaluation of REalloys shares in the market. Simply Wall St Growth Rating: ★★★★★☆ Overview: Streamex Corp. is a medical device technology company that offers advanced digital signal processing solutions for electrophysiology in the United States, with a market cap of $273.53 million. Operations: Streamex Corp. generates its revenue through the provision of advanced digital signal processing solutions specifically designed for electrophysiology applications in the U.S. Insider Ownership: 12.1% Earnings Growth Forecast: 114.5% p.a. Streamex, with substantial insider ownership, is positioned for growth through its innovative tokenized securities platform. The recent launch of a 24/7 secondary liquidity infrastructure in partnership with Orca e...

Upstart’s first quarter saw strong top-line growth, but the market reacted negatively due to profitability shortfalls. Management pointed to a combination of rapid expansion in auto and home lending products, continued investment in talent, and seasonality as factors shaping the quarter. CEO Paul Gu emphasized that improvements in Upstart’s AI-powered underwriting models and stronger performance in core personal loans and new product segments helped drive originations growth. However, CFO Andrea Blankmeyer acknowledged that increased marketing and operational costs, along with a front-loaded investment cycle, contributed to a year-over-year decline in profit. Is now the time to buy UPST? Find out in our full research report (it’s free). Revenue: $308.2 million vs analyst estimates of $303.1 million (44.4% year-on-year growth, 1.7% beat) Adjusted EPS: $0.30 vs analyst expectations of $0.43 (29% miss) Adjusted Operating Income: -$7.52 million vs analyst estimates of $12.76 million (-2.4% margin, significant miss) The company reconfirmed its revenue guidance for the full year of $1.4 billion at the midpoint Operating Margin: -2.4%, in line with the same quarter last year Market Capitalization: $2.75 billion While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention. Mihir Bhatia (Bank of America) asked how management balances near-term profitability with reinvestment. CEO Paul Gu responded that capital efficiency is prioritized, but reinvestment in growth remains essential to long-term value creation. Kyle David Peterson (Needham) questioned whether expenses related to the bank charter application were material in Q1. CFO Andrea Blankmeyer clarified that such costs were not significant yet and are accounted for in future expense guidance. Simon Alistair Clinch (Rothschild and Company Redburn) inquired about changes in risk-sharing terms for new funding agreements. Gu stated that deal terms have been stable or improving and that risk-sharing remains a small, strategic portion of Upstart’s capital structure. James Eugene Faucette (Morgan Stanley) pressed for details on HELOC product advantages. Gu indicated that faster closing times...

Over the last 7 days, the United States market has risen by 1.1%, contributing to an impressive 27% climb over the past year, with earnings forecasted to grow by 17% annually. In this thriving environment, companies that exhibit high growth potential and significant insider ownership can be particularly appealing, as they often indicate strong confidence from those closest to the business. Click here to see the full list of 181 stocks from our Fast Growing US Companies With High Insider Ownership screener. Let's take a closer look at a couple of our picks from the screened companies. Simply Wall St Growth Rating: ★★★★☆☆ Overview: Evolus, Inc. is a performance beauty company that provides products in the cash-pay aesthetic market across the United States, Canada, Europe, and Australia with a market cap of $442.54 million. Operations: The company's revenue segment focuses on delivering medical aesthetic products to the cash-pay aesthetic market, generating $301.79 million. Insider Ownership: 11.1% Earnings Growth Forecast: 66.7% p.a. Evolus, Inc. is poised for significant growth with its forecasted profitability within three years and revenue growth expected to outpace the broader US market at 14.4% annually. Recent earnings show a narrowing net loss, and the company anticipates annual revenues between US$327 million and US$337 million for 2026. The upcoming European launch of Estyme marks an international expansion in dermal fillers, potentially enhancing revenue streams despite historically volatile share prices and negative shareholders' equity concerns. Click here and access our complete growth analysis report to understand the dynamics of Evolus. Our expertly prepared valuation report Evolus implies its share price may be lower than expected. Simply Wall St Growth Rating: ★★★★★★ Overview: Upstart Holdings, Inc. operates a cloud-based AI lending platform in the United States and has a market cap of approximately $2.58 billion. Operations: The company's revenue is primarily derived from its personal lending segment, which generated $1.01 billion. Insider Ownership: 12.8% Earnings Growth Forecast: 58.5% p.a. Upstart Holdings is positioned for robust growth, with earnings projected to rise significantly at 58.5% annually, outpacing the US market. Despite a recent net loss of US$6.65 million in Q1 2026, insider activity indicates more buying than selling over...

In the last week, the United States market has stayed flat, yet it has seen a remarkable 25% increase over the past year with earnings forecasted to grow by 17% annually. In this thriving environment, growth companies with high insider ownership can be particularly appealing as they often indicate strong confidence from those closest to the business in its potential for continued success. Click here to see the full list of 187 stocks from our Fast Growing US Companies With High Insider Ownership screener. Below we spotlight a couple of our favorites from our exclusive screener. Simply Wall St Growth Rating: ★★★★★☆ Overview: Aeluma, Inc. develops optoelectronic and electronic devices for sensing, communication, and computing applications in the United States with a market cap of $488.06 million. Operations: The company's revenue is primarily derived from its Semiconductor Equipment and Services segment, which generated $5.23 million. Insider Ownership: 25.8% Earnings Growth Forecast: 68.6% p.a. Aeluma is positioned for significant growth with forecasted revenue expansion of 77% annually, outpacing the US market. Despite a volatile share price and recent net losses, its strategic focus on high-growth sectors like AI infrastructure and quantum technologies is bolstered by substantial U.S. government contracts exceeding US$4 million. The company's innovative quantum dot laser platform, supported by NASA awards, enhances its competitive edge in photonics integration. However, low projected return on equity remains a concern. Click to explore a detailed breakdown of our findings in Aeluma's earnings growth report. Our valuation report here indicates Aeluma may be overvalued. Simply Wall St Growth Rating: ★★★★☆☆ Overview: STAAR Surgical Company designs, develops, manufactures, and sells phakic implantable lenses and accessory delivery systems for the eye, with a market cap of approximately $1.40 billion. Operations: The company's revenue is primarily generated from its ophthalmic surgical products, totaling $239.44 million. Insider Ownership: 26.2% Earnings Growth Forecast: 71.6% p.a. STAAR Surgical's growth potential is underscored by its forecasted revenue increase of 11.8% annually, slightly above the US market average. Recent earnings showed significant improvement with sales reaching US$93.52 million, a substantial rise from the previous year, and a shift to n...

Over the last 7 days, the United States market has risen by 1.5%, contributing to a remarkable 26% climb over the past year, with earnings forecasted to grow by 17% annually. In this flourishing environment, growth companies with high insider ownership can be particularly appealing as they often indicate strong confidence from those closest to the business and potential for substantial earnings expansion. Click here to see the full list of 185 stocks from our Fast Growing US Companies With High Insider Ownership screener. Let's explore several standout options from the results in the screener. Simply Wall St Growth Rating: ★★★★★☆ Overview: Immix Biopharma, Inc. is a clinical-stage biopharmaceutical company focused on developing chimeric antigen receptor cell therapy for light chain amyloidosis and immune-mediated diseases, with a market cap of $525.88 million. Operations: Revenue Segments (in millions of $): null Insider Ownership: 12.8% Earnings Growth Forecast: 63.4% p.a. Immix Biopharma is a growth-focused company with high insider ownership, currently navigating financial challenges with a reported net loss of US$10.09 million for Q1 2026. Despite this, its revenue is forecasted to grow significantly faster than the US market at 56.6% annually, driven by promising developments like NXC-201 for AL Amyloidosis. The company anticipates profitability within three years, although it has experienced substantial shareholder dilution and share price volatility recently. Get an in-depth perspective on Immix Biopharma's performance by reading our analyst estimates report here. Our valuation report here indicates Immix Biopharma may be overvalued. Simply Wall St Growth Rating: ★★★★★☆ Overview: Rumble Inc. operates a video sharing and cloud services platform across the United States, Canada, and internationally, with a market cap of approximately $2.77 billion. Operations: The company's revenue is generated from its Internet Software & Services segment, amounting to $100.62 million. Insider Ownership: 35.9% Earnings Growth Forecast: 56.8% p.a. Rumble Inc. exhibits high insider ownership and is positioned for substantial growth, with revenue forecasted to expand at 42.5% annually, outpacing the US market. Recent initiatives like the OpenClaw Starter package on Rumble Cloud highlight its innovative approach in AI infrastructure. Despite a history of volatility and fin...

Interested in loanDepot, Inc.? Here are five stocks we like better. loanDepot’s Q1 adjusted loss widened to $34 million from $21 million in the prior quarter as lower gain-on-sale margins and higher interest rate volatility pressured results. Revenue also fell to $299 million, while the company said product mix shifts toward conventional loans hurt margins. Despite weaker profitability, loanDepot said it gained market share and saw origination volume of $7.7 billion, near the high end of guidance. Management credited the improvement to adding loan officers, relaunching wholesale lending and sharpening marketing efficiency. The company expects a margin rebound in Q2, with gain-on-sale margins forecast at 330 to 360 basis points and higher origination volume. Management says the 5x5 HomeLoan and Figure Technology partnership should support growth and a shift toward more profitable loan mix. Here’s What Driving the 125% YTD Gains for Upstart Holdings Stock loanDepot (NYSE:LDI) reported a wider adjusted loss for the first quarter of 2026 as lower gain-on-sale margins and interest rate volatility weighed on revenue, even as the mortgage lender said it continued to gain market share and invest in growth initiatives. Chief Executive Officer Anthony Hsieh said the company is “three quarters into the rebuild” and has focused on long-term growth initiatives including the addition of more than 100 loan officers, the relaunch of its wholesale business and a new partnership with Figure Technology Solutions. → Beyond NVIDIA: Picks-and-Shovels AI Plays with Strong Momentum “Despite a volatile market environment, these initiatives help us increase market share during the quarter, which I consider vital to our goal of achieving consistent profitability in the current market,” Hsieh said. Chief Financial Officer David Hayes said loanDepot reported an adjusted net loss of $34 million in the first quarter, compared with an adjusted net loss of $21 million in the fourth quarter of 2025. He attributed the change primarily to a lower pull-through weighted gain-on-sale margin, partially offset by lower expenses. → 3 Ways to Target the Resources Powering AI and Data Centers Adjusted total revenue was $299 million, down from $316 million in the prior quarter. Pull-through weighted rate lock volume was $8.3 billion, up 14% from $7.3 billion in the fourth quarter and within the company...

Interested in Pagaya Technologies Ltd.? Here are five stocks we like better. Strong Q1 financials and raised outlook: Pagaya reported GAAP net income of $25M, total revenue of $318M (up 10% YoY), adjusted EBITDA of $94M with a 29.6% margin, and raised full‑year guidance—adjusted EBITDA to $420M–$460M and GAAP net income to $110M–$160M. CFO transition announced: Evangelos Perros will step down June 15 and remain an advisor through year‑end, with Chief Strategy Officer Jon Dobres promoted to CFO to ensure continuity in investor engagement and capital strategy. Funding strength and platform expansion: The company issued $2.1B via ABS (including its first auto re‑securitization), secured a Fitch AAA rating on a personal‑loan shelf, onboarded multiple partners (e.g., Upstart, Sezzle) and is driving growth via more partners/products rather than higher credit risk. This AI Lender Has Big Upside Potential—And Big Risks Pagaya Technologies (NASDAQ:PGY) reported first-quarter 2026 results that marked its fifth consecutive quarter of GAAP profitability, while management emphasized disciplined underwriting, continued partner onboarding momentum, and a funding strategy designed to remain flexible amid market volatility. Chief Executive Officer Gal Krubiner opened the call by announcing that Chief Financial Officer Evangelos Perros will step down effective June 15 after nearly five years with the company, and will remain a strategic advisor through year-end. Krubiner credited Perros with helping “lay[] the foundation for positive GAAP net income and cash flow.” → Insider Sales: Top AST SpaceMobile Insider Cuts Postion Over 30% The Next Market Leaders? 5 Growth Stocks to Watch in 2026 Krubiner also announced that Jon Dobres, currently Chief Strategy Officer, will become CFO. Krubiner said Dobres has worked closely on “corporate strategy and key financing initiatives,” including the company’s term loan and high-yield bond offering. Perros said the transition is focused on “continuity across, particularly in the areas of investor engagement and capital efficiency,” while Dobres said the company’s “priorities and financial strategy remain unchanged.” Perros said Pagaya generated GAAP net income of $25 million in the first quarter. Krubiner described the period as “another strong quarter” achieved despite “a macro environment full of volatility.” → Light Speed Returns: Corning...