Upstart Holdings, Inc. (NASDAQ:UPST) Q4 2022 Results Conference Call February 14, 2023 4:30 PM ET
Company Participants
Jason Schmidt - Vice President, Investor Relations
David Girouard - Co-Founder & CEO
Sanjay Datta - CFO
Conference Call Participants
Peter Christiansen - Citigroup
David Scharf - JMP Securities
Simon Clinch - Atlantic Equities
Robert Wildhack - Autonomous research
Michael Ng - Goldman Sachs
Sandy Beatty - Morgan Stanley
John Hecht - Jefferies LLC
Hal Goetsch - Loop Capital
Arvind Ramnani - Piper Sandler
Dan Dolev - Mizuho Securities
Vincent Caintic - Stephens
Operator
Good day, and welcome to the Upstart Fourth Quarter 2022 Earnings Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Jason Schmidt, Head of Investor Relations. Please go ahead.
Jason Schmidt
Good afternoon, and thank you for joining us on today's conference call to discuss Upstart's fourth quarter and full year 2022 financial results. With us on today's call are Dave Girouard, Upstart's Chief Executive Officer; and Sanjay Datta, our Chief Financial Officer.
Before we begin, I want to remind you that shortly after the market closed today, Upstart issued a press release announcing its fourth quarter and full year 2022 financial results and published an Investor Relations presentation. Both are available on our Investor Relations website, ir.upstart.com.
During the call, we will make forward-looking statements such as guidance for the first quarter of 2023 related to our business and our plans to expand our platform in the future. These statements are based on our current expectations and information available as of today and are subject to a variety of risks, uncertainties and assumptions. Actual results may vary materially as a result of various risk factors that have been described in our filings with the SEC. As a result, we caution you against placing undue reliance on these forward-looking statements.
We assume no obligation to update any forward-looking statements as the result of new information or future events, except as required by law. In addition, during today's call, unless otherwise stated, references to our results are provided as non-GAAP financial measures and are reconciled to our GAAP results, which can be found in the earnings release and supplemental tables. To ensure that we can address as many analyst’s questions as possible during the call, we request that you please limit yourself to one additional question and one follow-up.
Later this quarter, Upstart will be participating in the JMP Securities Technology Conference on March 6 and the Loop Capital Markets Investor Conference on March 13.