Upstart Holdings, Inc. (UPST) Presents at Morgan Stanley Technology, Media & Telecom Conference 2026 Transcript

SA Transcripts158.79K FollowersFollow5ShareSaveCommentsPlay Earnings CallPlay Earnings Call Upstart Holdings, Inc. (UPST) Morgan Stanley Technology, Media & Telecom Conference 2026 March 3, 2026 4:50 PM EST Company Participants Sanjay Datta - President, CFO & Chief Capital Officer Presentation Unknown Analyst Afternoon, everybody. Thanks for joining us this afternoon here at the 2026 Morgan Stanley TMT Conference. Very excited to have Sanjay Datta, President of Upstart. Thanks for being here. Sanjay DattaPresident, CFO & Chief Capital Officer Thank you.

Unknown Analyst Before we get started with Sanjay, quickly, I've got -- I'm going to read a couple of disclosures. We have ours, which is please see the Morgan Stanley research disclosure website at morganstanley.com/researchdisclosures. And then Upstart has asked me to read theirs. Today's discussion may contain forward-looking statements that relate to future results and events, which are based on Upstart's information available as of today and are subject to risks and uncertainties. Actual results may differ materially from these forward-looking statements. The discussion may also include non-GAAP financial measures, which are not a substitute for GAAP results. Please refer to the company's filings with the SEC and its IR website for additional information, including GAAP to non-GAAP reconciliations, along with other disclosures. Did I do it all right? Sanjay DattaPresident, CFO & Chief Capital Officer I feel like your disclosure is a lot more cogent than ours...

Unknown Analyst Well, I think we get away with referring people to -- anyway, thanks for being here. Really appreciate it. Question-and-Answer Session Unknown Analyst Look, I want to start with just kind of like some of the leadership changes that have been announced. I don't know that they were under adverse circumstances or anything like that, but it does create questions for people. How should we think about strategic continuity versus change with the leadership transitions that have been announced, where should investors