Upstart Holdings, Inc. (NASDAQ:UPST) Q2 2024 Earnings Conference Call August 6, 2024 4:30 PM ET
Company Participants
Dave Girouard - Co-Founder, Chief Executive Officer
Sanjay Datta - Chief Financial Officer
Cindy Moon - Lead Corporate & Securities Counsel
Conference Call Participants
Mihir Bhatia - Bank of America
Ramsey El-Assal - Barclays
Kyle Peterson - Needham
Peter Christiansen - Citigroup
James Faucette - Morgan Stanley
Dan Dolev - Mizuho
Giuliano Bologna - Compass Point
Rob Wildhack - Autonomous Research
Simon Clinch - Redburn Atlantic
Vincent Caintic - BTIG
Reggie Smith - JP Morgan
Arvind Ramnani - Piper Sandler
Operator
Good day everyone! And welcome to the Upstart Second Quarter 2024 Earnings Conference Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Cindy Moon, Lead Corporate and Securities Counsel. Please go ahead.
Cindy Moon
Good afternoon, and thank you for joining us on today's conference call to discuss Upstart's second quarter 2024 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 second quarter 2024 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 third quarter of 2024 and the second half of 2024 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 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.