Company Participants
Sonya Banerjee – Head of Investor Relations
David Girouard – Co-Founder, President, CEO & Chairperson of the Board
Paul Gu – Co-Founder, CTO & Director
Sanjay Datta – Chief Financial Officer
Conference Call Participants
Dan Dolev – Mizuho Securities USA LLC, Research Division
Kyle Peterson – Needham & Company, LLC, Research Division
Peter Christiansen – Citigroup Inc. Exchange Research
Simon Alistair Clinch – Rothschild & Co Redburn, Research Division
Patrick Moley – Piper Sandler & Co., Research Division
Mihir Bhatia – BofA Securities, Research Division
Reginald Smith – JPMorgan Chase & Co, Research Division
James Faucette – Morgan Stanley, Research Division
Robert Wildhack – Autonomous Research US LP
John Hecht – Jefferies LLC, Research Division
Presentation
Sonya Banerjee
Head of Investor Relations
“
David Girouard
Co-Founder, President, CEO & Chairperson of the Board
“
Paul Gu
Co-Founder, CTO & Director
“
Sanjay Datta
Chief Financial Officer
“
Dan Dolev
Mizuho Securities USA LLC, Research Division
” Mizuho Securities USA LLC, Research Division
Kyle Peterson
Needham & Company, LLC, Research Division
” Needham & Company, LLC, Research Division
Peter Christiansen
Citigroup Inc. Exchange Research
” Citigroup Inc. Exchange Research
Simon Alistair Clinch
Rothschild & Co Redburn, Research Division
” Rothschild & Co Redburn, Research Division
Patrick Moley
Piper Sandler & Co., Research Division
” Piper Sandler & Co., Research Division
Mihir Bhatia
BofA Securities, Research Division
” BofA Securities, Research Division
Reginald Smith
JPMorgan Chase & Co, Research Division
” JPMorgan Chase & Co, Research Division
James Faucette
Morgan Stanley, Research Division
” Morgan Stanley, Research Division
Robert Wildhack
Autonomous Research US LP
” Autonomous Research US LP
John Hecht
Jefferies LLC, Research Division
” Jefferies LLC, Research Division
Operator
Good afternoon, and welcome to the Upstart Third Quarter 2025 Earnings Call.
