Upstart Holdings, Inc. (NASDAQ:UPST) Q3 2022 Earnings Conference Call November 8, 2022 3:00 PM ET
Company Participants
Jason Schmidt - Vice President, Investor Relations
Dave Girouard - Co-Founder & CEO
Sanjay Datta - CFO
Conference Call Participants
David Scharf - JMP Securities
Ramsey El-Assal - Barclays
Peter Christiansen - Citi
Michael Ng - Goldman Sachs
Simon Clinch - Atlantic Equities
Sandy Beatty - Morgan Stanley
Vincent Caintic - Stephens
Arvind Ramnani - Piper Sandler
David Chiaverini - Wedbush Securities
Operator
Good day and welcome to the Upstart Third Quarter 2022 Earnings Call. Today's conference is being recorded.
At this time, I would like to turn the conference over to Mr. Jason Schmidt, Vice President of Investor Relations. Please go ahead, sir.
Jason Schmidt
Good afternoon and thank you for joining us on today's conference call to discuss Upstart's third quarter 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 third quarter 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 fourth quarter of 2022 related to our business and our plans to extend 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 differ materially as a result of various risk factors that have been described in our filings with the SEC.
As a result, we caution against placing undue reliance on these forward-looking statements. We assume no obligation to update any forward-looking statements as a 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. [Operator Instructions]
Later this quarter, Upstart will be participating in Citi's 2022 FinTech Conference on November 15 and Wedbush's Disruptive Finance Conference, December 2.
Now I'd like to turn it over to Dave Girouard, CEO of Upstart.
Dave Girouard
Good afternoon, everyone. Thank you for joining us on our earnings call covering our third quarter 2022 results. I'm Dave Girouard, Co-Founder and CEO of Upstart. Our results in Q3 were certainly not what we wanted them to be, but I also believe they reflect the Upstart team making the right decisions in a very challenging economic environment for the long-term success of the company.