Upstart Holdings Inc
NASDAQ:UPST
Net Margin
Upstart Holdings Inc
Net Margin measures how much net income is generated as a percentage of revenues received. It helps investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.
Net Margin Across Competitors
| Country | Company | Market Cap |
Net Margin |
||
|---|---|---|---|---|---|
| US |
|
Upstart Holdings Inc
NASDAQ:UPST
|
5.6B USD |
-9%
|
|
| US |
|
American Express Co
NYSE:AXP
|
210B USD |
14%
|
|
| US |
|
Capital One Financial Corp
NYSE:COF
|
129.1B USD |
12%
|
|
| US |
|
Discover Financial Services
NYSE:DFS
|
50.4B USD |
25%
|
|
| US |
|
Synchrony Financial
NYSE:SYF
|
24.1B USD |
16%
|
|
| US |
|
SoFi Technologies Inc
NASDAQ:SOFI
|
17B USD |
17%
|
|
| IN |
|
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
|
1.3T INR |
17%
|
|
| KZ |
K
|
Kaspi.kz AO
NASDAQ:KSPI
|
15.1B USD |
48%
|
|
| IN |
|
Shriram Finance Ltd
NSE:SHRIRAMFIN
|
1.2T INR |
23%
|
|
| US |
S
|
Santander Consumer USA Holdings Inc
F:77S
|
11.3B EUR |
40%
|
|
| IN |
|
Muthoot Finance Ltd
NSE:MUTHOOTFIN
|
1T INR |
27%
|
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
Net Margin measures how much net income is generated as a percentage of revenues received. It helps investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.
Based on Upstart Holdings Inc's most recent financial statements, the company has Net Margin of -9.2%.
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