Upstart Q3 revenue $228M (+250% YoY); net income $29.1M; guided Q4 rev $255-265M

Upstart Holdings, Inc.

2021-Q3 EPS reported $0.81 revenue$543,741,000

Total revenue $228M, up 250% YoY; fee revenue $210M, up 235%.
GAAP net income $29.1M ($0.30 diluted EPS); adjusted net income $57.4M ($0.60 adjusted EPS).
Platform originated 362,780 loans totaling $3.13B, up 244% YoY; conversion rate 23% vs 15%.
Adjusted EBITDA $59.1M (26% margin), up from $15.5M in Q3 2020.
Q4 2021 guidance: revenue $255-265M, contribution margin ~47%, adjusted net income $48-50M.

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