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May 14 2025

Upstart Showcases AI Breakthroughs and Business Momentum at Inaugural ‘AI Day’

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Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today hosted its first-ever AI Day investor event in New York City, where executives highlighted the company’s proprietary AI, differentiated business model, and unique financial profile.

“Upstart is building the foundation model for credit, and no one else is even trying,” said Co-founder and CEO Dave Girouard. “From the scale of our AI infrastructure to our winning business model, we’re on track to become the ‘everything store for credit’ in the 21st century.”

At the event, Girouard outlined the $1 trillion opportunity in credit and Upstart’s leading role in delivering the AI that is changing how loans are underwritten, automated, and serviced. He also reiterated his four goals for 2025: 10X Upstart’s advantage in AI; prepare Upstart’s funding supply for rapid growth; return to GAAP profitability in the second half of the year; and giant leaps toward best rates and best process for all.

Co-founder and Chief Technology Officer Paul Gu walked investors through the company’s journey in developing a vertically integrated AI model trained on over 90 million datapoints. Gu emphasized how Upstart’s use of advanced techniques—such as proprietary loss functions, embeddings, and dynamic macro modeling—delivers more accurate underwriting and faster approvals than traditional lenders.

Chief Marketing Officer and Senior Vice President of Growth Chantal Rapport detailed how Upstart’s winning business model—driven by industry-leading AI, marketplace capital, and brand advantage—is driving growth across the full credit spectrum. She positioned Upstart as a “category of one” business that is reshaping borrower expectations with speed and ease.

Chief Financial Officer Sanjay Datta showed how Upstart’s growth trajectory, pricing power, margins, operating leverage, and profits have created a unique financial profile that results in business model resilience. He also pointed to potential future revenue streams for Upstart, including ratable fee revenue, subscriptions, revolving credit, and servicing for all.

The presentations, as well as a video replay of the event, are available on Upstart’s Investor Relations website.

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