Upstart Holdings Inc
NASDAQ:UPST
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Upstart Holdings Inc
Gross Margin
Upstart Holdings Inc
Gross Margin is the amount of money a company retains after incurring the direct costs associated with producing the goods it sells and the services it provides. The higher the gross margin, the more capital a company retains, which it can then use to pay other costs or satisfy debt obligations.
Gross Margin Across Competitors
| Country | US |
| Market Cap | 6.2B USD |
| Gross Margin |
72%
|
| Country | US |
| Market Cap | 211.9B USD |
| Gross Margin |
63%
|
| Country | US |
| Market Cap | 68.8B USD |
| Gross Margin |
0%
|
| Country | IN |
| Market Cap | 4.3T INR |
| Gross Margin |
61%
|
| Country | US |
| Market Cap | 43.9B USD |
| Gross Margin |
0%
|
| Country | US |
| Market Cap | 25.7B USD |
| Gross Margin |
0%
|
| Country | KZ |
| Market Cap | 18.4B USD |
| Gross Margin |
0%
|
| Country | US |
| Market Cap | 17.3B USD |
| Gross Margin |
0%
|
| Country | IN |
| Market Cap | 1.1T INR |
| Gross Margin |
56%
|
| Country | US |
| Market Cap | 11.3B EUR |
| Gross Margin |
74%
|
| Country | IN |
| Market Cap | 1T INR |
| Gross Margin |
51%
|
Upstart Holdings Inc
Glance View
Upstart Holdings Inc. is a company that has positioned itself at the intersection of artificial intelligence and consumer finance, reshaping how personal lending is traditionally approached. Founded in 2012 by former Google executive Dave Girouard, along with Anna Counselman and Paul Gu, Upstart embarked on a mission to transform the lending process through technology-driven efficiencies. The firm employs complex AI algorithms to underwrite consumer loans, diverging from the traditional FICO score-focused evaluations. This AI-based model considers a broader spectrum of data points – such as education, employment history, and other personal data – to assess a borrower’s creditworthiness. As a result, Upstart aims to expand access to affordable credit for more borrowers, positioning itself as an innovative alternative in the competitive fintech landscape. The company's primary revenue streams are derived from the fees it earns for arranging loans for its bank and credit union partners, as well as platform fees paid by these financial institutions to leverage Upstart's sophisticated AI models. Upstart does not retain the credit risk of these loans but instead facilitates the lending process, acting as a technological intermediary. This model allows partner banks to lower default rates and offer more competitive interest rates, benefiting borrowers and lenders alike while enabling Upstart to grow its footprint without assuming direct financial liability. By advancing its AI capabilities and continuously expanding its partner network, Upstart seeks to solidify its role in the digital lending ecosystem, harnessing innovation to drive more inclusive access to credit.
See Also
Gross Margin is the amount of money a company retains after incurring the direct costs associated with producing the goods it sells and the services it provides. The higher the gross margin, the more capital a company retains, which it can then use to pay other costs or satisfy debt obligations.
Based on Upstart Holdings Inc's most recent financial statements, the company has Gross Margin of 72.5%.
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