Description
This is our first report on cloud- based artificial intelligence (AI) lending platform operator, Upstart Holdings, Inc. Its recent results reveal a diverse picture as substantial growth and progress are achieved in the midst of a challenging lending environment. The positives are the company’s rapid strides in advancing its artificial intelligence lending platform, achievement as a financially sound company, growth in fee revenue, increase in team size, and AI platform expansion. The introduction and subsequent upgrades of Model 15.0 under its core personal loan underwriting model, which improved accuracy by about 15%, seem to mark a significant success. An upgraded version of the Upstart Macro Index has also been launched to accommodate seasonal patterns and repayment behaviors.
Our Report Structure:
⦁ Company Overview
⦁ Investment Thesis
⦁ Key Drivers
⦁ Historical Quarterly Statement Analysis – Income Statement & Cash Flows
⦁ Historical Quarterly Balance Sheet Analysis
⦁ Historical Annual Financial Statement Analysis
⦁ Analysis Of Key Financial Ratios
⦁ Financial Forecasts For 3 Years
⦁ Forecasting The Capital Structure & Net Debt
⦁ Discounted Cash Flow Valuation
⦁ Trading Multiples
⦁ Key Risks
⦁ Disclosures
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