Upstart Holdings, Inc. (NASDAQ:UPST) Q3 2023 Results Earnings Conference Call November 7, 2023 4:30 PM ET
Company Participants
Jason Schmidt - Vice President, Head of Investor Relations
Dave Girouard - Co-Founder and Chief Executive Officer
Sanjay Datta - Chief Financial Officer
Conference Call Participants
Simon Clinch - Redburn Atlantic
David Scharf - JMP Securities
Lance Jessurun - BTIG
Peter Christiansen - Citigroup
James Faucette - Morgan Stanley
John Coffey - Barclays Capital
Robert Wildhack - Autonomous Research
John Hecht - Jefferies
Giuliano Bologna - Compass Point Research
Reginald Smith - J.P. Morgan Securities
Operator
Good day. And welcome to the Upstart Third Quarter 2023 Earnings. 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 third quarter 2023 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 2023 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 2023, relating 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 differ 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 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 a non-GAAP financial measure 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 questions as possible during the call, we request that you please limit yourself to one initial question and one follow-up.
Later this quarter, Upstart will be participating in the JMP Securities AI Forum November 29 and Wedbush's Disruptive Finance Virtual Conference December 1..