Upstart Q4 revenue $305M (+252% YoY), net income $58.9M; authorizes $400M share buyback

Upstart Holdings, Inc.

2021-FY EPS reported $1.43 revenue$848,589,000

Q4 2021 total revenue $305M (+252% YoY); GAAP diluted EPS $0.61, adjusted diluted EPS $0.89.
Full-year 2021 revenue $849M (+264% YoY); GAAP net income $135M vs $6.0M in 2020.
Q1 2022 revenue guidance $295M-$305M; full-year 2022 revenue guidance approx. $1.4B.
Board authorizes $400M share repurchase program, citing attractive buying conditions and profitability.
Auto loan originations ramping quickly; platform volume $4.1B in Q4 (up 301% YoY).

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