Upstart Holdings Inc
NASDAQ:UPST
Operating Margin
Upstart Holdings Inc
Operating Margin represents how efficiently a company is able to generate profit through its core operations.
Higher ratios are generally better, illustrating the company is efficient in its operations and is good at turning sales into profits.
Operating Margin Across Competitors
| Country | Company | Market Cap |
Operating Margin |
||
|---|---|---|---|---|---|
| US |
|
Upstart Holdings Inc
NASDAQ:UPST
|
5.5B USD |
-11%
|
|
| US |
|
American Express Co
NYSE:AXP
|
209.3B USD |
18%
|
|
| US |
|
Capital One Financial Corp
NYSE:COF
|
127B USD |
0%
|
|
| US |
|
Discover Financial Services
NYSE:DFS
|
50.4B USD |
0%
|
|
| US |
|
Synchrony Financial
NYSE:SYF
|
23.7B USD |
0%
|
|
| US |
|
SoFi Technologies Inc
NASDAQ:SOFI
|
16.8B USD |
0%
|
|
| KZ |
K
|
Kaspi.kz AO
NASDAQ:KSPI
|
15.4B USD |
0%
|
|
| IN |
|
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
|
1.3T INR |
30%
|
|
| IN |
|
Shriram Finance Ltd
NSE:SHRIRAMFIN
|
1.3T INR |
38%
|
|
| US |
S
|
Santander Consumer USA Holdings Inc
F:77S
|
11.3B EUR |
52%
|
|
| IN |
|
Muthoot Finance Ltd
NSE:MUTHOOTFIN
|
1T INR |
43%
|
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
Operating Margin represents how efficiently a company is able to generate profit through its core operations.
Higher ratios are generally better, illustrating the company is efficient in its operations and is good at turning sales into profits.
Based on Upstart Holdings Inc's most recent financial statements, the company has Operating Margin of -10.6%.
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