Post #32 by earslookin on the Upstart Holdings board

Stocks A to Z / Stocks U / Upstart Holdings (UPST)

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https://public.flourish.studio/visualisation/12887...

Total loan $ volume went from $4,535M in Q1 to $1,542M in Q4,
a decrease of 66%.

Revenue from fees went from $314M in Q1 to $156M in Q4,
a decrease of 50%.

Cash went from $1,013M in Q1 to $532M in Q4,
a decrease of 47%.

Loans on the balance sheet went from $598M in Q1 to $1,010M in Q4,
an increase of 69%.

Debt went from $769M in Q1 to $986M in Q4,
an increase of 28%.

Going into 2023...

** They are maxed out on borrowing.

** They are maxed out on adding loans to the balance sheet.

I've been looking at guidance for Q1 2023 and comparing it to my
updated model. It appears we are in for some unpleasant surprises.
I'll discuss this in a future post.

Ears <long UPST>

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