Upstart Holdings, Inc. (UPST) Q3 2024 Earnings Call Transcript

Upstart Holdings, Inc. (NASDAQ:UPST) Q3 2024 Earnings Convention Name November 7, 2024 4:30 PM ET

Firm Contributors

Alice Berry – Senior Director of Investor Relations
Dave Girouard – Co-Founder & Chief Government Officer
Sanjay Datta – Chief Monetary Officer

Convention Name Contributors

Peter Christiansen – Citigroup
Arvind Ramnani – Piper Sandler
Rob Wildhack – Autonomous Analysis
Kyle Peterson – Needham
David Schwartz – JMP
Simon Clinch – Redburn Atlantic
Giuliano Bologna – Compass Level

Operator

Good day and welcome to the Upstart Third Quarter 2024 Earnings Convention Name. At present’s convention is being recorded.

Presently, I want to flip the convention over to Alice Berry. Please go forward.

Alice Berry

Good afternoon and thanks for becoming a member of us on right now’s convention name to debate Upstart’s third quarter 2024 monetary outcomes. With us on right now’s name are Dave Girouard, Upstart’s Chief Government Officer; and Sanjay Datta, our Chief Monetary Officer.

Earlier than we start, I need to remind you that shortly after the market closed right now, Upstart issued a press launch saying its third quarter 2024 monetary outcomes and revealed an Investor Relations presentation. Each can be found on our Investor Relations web site, ir.upstart.com. Through the name, we’ll make forward-looking statements, equivalent to steerage for the fourth quarter of 2024 regarding our enterprise and our plans to develop our platform sooner or later. These statements are primarily based on our present expectations and data obtainable as of right now and are topic to quite a lot of dangers, uncertainties and assumptions. Precise outcomes could differ materially because of numerous threat components which were described in our filings with the SEC. Consequently, we warning you towards inserting undue reliance on these forward-looking statements. We assume no obligation to replace any forward-looking statements because of new info or future occasions, besides as required by regulation.