Upstart Holdings, Inc. (NASDAQ:UPST) Q4 2024 Earnings Call Transcript February 11, 2025 4:30 PM ET
Company Participants
Sonya Banerjee – Investor Relations
Dave Girouard – Co Founder and Chief Executive Officer
Sanjay Datta – Chief Financial Officer
Conference Call Participants
Kyle Peterson – Needham
Simon Clinch – Redburn Atlantic
Peter Christiansen – Citi
Ramsey Assal – Barclays
Dan Dolev – Mizuho
David Scharf – JMP Securities
Vincent Caintic – BTIG
John Hecht – Jefferies
Reggie Smith – J.P. Morgan
James Faucette – Morgan Stanley
Matt O’Neill – FT Partners
Rob Wildhack – Autonomous
Operator
Good afternoon. And welcome to the Upstart Fourth Quarter and Full Year 2024 Earnings Conference Call. [Operator Instructions] Later, we will conduct a question-and-answer session and instructions will be given at that time. As a reminder, this conference call is being recorded. I would like to turn the call over to Sonya Banerjee Head of Investor Relations. Please go ahead, Sonya.
Sonya Banerjee
Thank you. Welcome to the Upstart earnings call for the fourth quarter and full year 2024. With us on today’s call are Dave Girouard, Our CEO and Co-Founder and Sanjay Datta, our CFO.
During today’s call, we will make forward-looking statements, which include statements about our outlook and business strategy. These statements are based on our expectations and belief as of today, and are subject to a variety of risks, uncertainties, and assumptions. Actual results may differ materially as a result of various risk factors that have been described in our SEC filings.
We assume no obligation to update any forward-looking statements as a result of new information or future events, except as required by law. Our discussion will include non-GAAP financial measures which are not a substitute for our GAAP results.
Reconciliations of our historical GAAP to non-GAAP results can be found
