Upstart Holdings, Inc. (NASDAQ:UPST) Q4 2024 Earnings Call Transcript
February 11, 2025 4:30 PM ET
Good afternoon, everyone. Today, we will be discussing the Q4 2024 earnings for Upstart Holdings, Inc. I’m Sonya Banerjee, the Investor Relations representative for the company, and joining me are Dave Girouard, the Co Founder and Chief Executive Officer, and Sanjay Datta, the Chief Financial Officer.
Conference Call Participants:
Kyle Peterson – Needham
Simon Clinch – Redburn Atlantic
Peter Christiansen – Citi
Ramsey Assal – Barclays
Dan Dolev – Mizuho
David Scharf – JMP Securities
Vincent Caintic – BTIG
John Hecht – Jefferies
Reggie Smith – J.P. Morgan
James Faucette – Morgan Stanley
Matt O’Neill – FT Partners
Rob Wildhack – Autonomous Operator
During the earnings call, we will be discussing our financial performance for the fourth quarter of 2024 and providing insights into our strategic initiatives moving forward. We will also be addressing any questions from our conference call participants.
Upstart Holdings, Inc. has been a pioneer in the fintech industry, utilizing artificial intelligence and machine learning to revolutionize the way people access credit. Our unique approach to underwriting has resulted in significant growth and success for the company, and we are excited to share our latest results with you.
As we reflect on the past year and look towards the future, we remain committed to driving innovation and delivering value to our customers and shareholders. We believe that our continued focus on technology and data-driven decision-making will position us for long-term success in the competitive financial services industry.
Thank you for joining us today, and we look forward to sharing more insights during the earnings call.
How this will affect me:
As a potential investor, the Q4 2024 earnings call for Upstart Holdings, Inc. provides valuable insights into the company’s financial performance and future prospects. By understanding the strategic initiatives and growth projections discussed during the call, you can make informed decisions about your investment portfolio.
How this will affect the world:
Upstart Holdings, Inc.’s use of artificial intelligence and machine learning in the fintech industry has the potential to transform the way people access credit globally. By revolutionizing the underwriting process, Upstart is paving the way for greater financial inclusion and access to credit for underserved populations around the world.
Conclusion:
In conclusion, the Q4 2024 earnings call for Upstart Holdings, Inc. has provided valuable insights into the company’s financial performance and strategic initiatives. As we continue to drive innovation and leverage technology to deliver value to our customers and shareholders, we are confident in our ability to sustain long-term success in the dynamic fintech landscape.
