About Upstart Holdings, Inc. - Common stock (UPST)
Upstart Holdings Inc is a financial technology company that leverages artificial intelligence and advanced algorithms to improve the loan origination process. By utilizing a data-driven approach, the company enables lenders to make more informed credit decisions, ultimately facilitating faster and more accurate personal loans for consumers. Upstart's platform analyzes a wide variety of data points beyond traditional credit scores to assess risk, which helps expand access to credit for individuals who may be underserved by conventional lending practices. Additionally, Upstart partners with banks and credit unions, providing them with tools to enhance their lending operations while promoting financial inclusion. Read More
As the craze of earnings season draws to a close, here’s a look back at some of the most exciting (and some less so) results from Q4. Today, we are looking at vertical software stocks, starting with Agilysys (NASDAQ:AGYS).
Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, will hold a conference call to discuss its first quarter 2025 financial results on Tuesday, May 6, 2025, 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.
The end of the earnings season is always a good time to take a step back and see who shined (and who not so much). Let’s take a look at how vertical software stocks fared in Q4, starting with Toast (NYSE:TOST).
Shares of aI-powered lending platform Upstart (NASDAQ:UPST)
fell 16.5% in the afternoon session after President Trump announced "reciprocal tariffs" on all US imports, set at a minimum rate of 10%. Markets reacted negatively to the announcement, reflecting deep concerns among investors about the broader economic implications. The tariffs were likely seen as a significant threat to global trade flows, with the potential to slow economic growth, drive up consumer prices, and spark retaliatory measures.
In a sliding market, Upstart has defied the odds, trading up to $45.17 per share. Its 12.9% gain since September 2024 has outpaced the S&P 500’s 4.1% drop. This was partly thanks to its solid quarterly results, and the performance may have investors wondering how to approach the situation.
Software is rapidly reducing operating expenses for businesses. The undeniable tailwinds fueling the industry have also led to strong returns for SaaS stocks lately
as they’ve gained 10.3% over the past six months.
Investing here would have been wise - at the same time, the S&P 500 was flat.
Shares of aI-powered lending platform Upstart (NASDAQ:UPST)
jumped 8.1% in the afternoon session after stocks rebounded to start the session amid continued market volatility and moved slightly higher after the Federal Open Market Committee kept rates at 4.25% to 4.50% in its March 2025 meeting. The Jerome Powell-led committee also hinted at two more rate cuts for the year, saying, "Uncertainty around the economy has grown."
Shares of aI-powered lending platform Upstart (NASDAQ:UPST)
jumped 7.5% in the afternoon session as markets experienced a boost after data from the Bureau of Labor Statistics revealed that inflation for the month of February 2025 came in better than expected. The CPI rose 0.2% from the previous month (vs estimates for a 0.3% increase), while headline inflation rose 2.8% year on year (vs estimates for a 2.9% y/y increase). The data revealed inflation continued to edge closer to the Fed's 2% target, but not quite there yet. The reaction wasn't anything wild, but the sentiment leaned positive. The Nasdaq led the way, climbing 1.4%, boosting some tech stocks.
Small-cap stocks can be incredibly lucrative investments because their lack of analyst coverage leads to frequent mispricings.
However, these businesses (and their stock prices) often stay small because their subscale operations make it harder to expand their competitive moats.
Shares of aI-powered lending platform Upstart (NASDAQ:UPST)
fell 8.5% in the afternoon session after the Nasdaq dropped 1.3%, marking its fourth consecutive day of losses, as concerns over the tech sector continue to mount. The downturn appears to be most pronounced in stocks heavily exposed to the AI market, with traders growing uneasy about stretched valuations and potential slowdowns in AI-related spending.
