Upstart Q4 revenue $219M (+56% YoY); guides FY2025 revenue ~$1B, GAAP net income at least breakeven

Upstart Holdings, Inc.

2024-FY EPS reported -$1.44 revenue$636,528,000

Q4 2024: Total revenue $219M (+56% YoY); GAAP net loss ($2.8M) improved from ($42.4M); adjusted net income $29.9M.
Loan volume $2.1B (+68% YoY); conversion rate 19.3% (up from 11.6% in Q4 2023).
Adjusted EBITDA $38.8M (Q4 2023: $0.6M); contribution margin 61%.
Full year 2024: Revenue $637M (+24% YoY); GAAP net loss ($129M) vs ($240M); adjusted EBITDA $10.6M (vs -$17.2M).
FY2025 guidance: Revenue ~$1B; Adjusted EBITDA margin ~18%; GAAP net income at least breakeven.

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