Firm Individuals
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 Monetary Officer
Convention Name Individuals
Dan Dolev – Mizuho Securities USA LLC, Analysis Division
Kyle Peterson – Needham & Firm, LLC, Analysis Division
Peter Christiansen – Citigroup Inc. Change Analysis
Simon Alistair Clinch – Rothschild & Co Redburn, Analysis Division
Patrick Moley – Piper Sandler & Co., Analysis Division
Mihir Bhatia – BofA Securities, Analysis Division
Reginald Smith – JPMorgan Chase & Co, Analysis Division
James Faucette – Morgan Stanley, Analysis Division
Robert Wildhack – Autonomous Analysis US LP
John Hecht – Jefferies LLC, Analysis 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 Monetary Officer
“
Dan Dolev
Mizuho Securities USA LLC, Analysis Division
” Mizuho Securities USA LLC, Analysis Division
Kyle Peterson
Needham & Firm, LLC, Analysis Division
” Needham & Firm, LLC, Analysis Division
Peter Christiansen
Citigroup Inc. Change Analysis
” Citigroup Inc. Change Analysis
Simon Alistair Clinch
Rothschild & Co Redburn, Analysis Division
” Rothschild & Co Redburn, Analysis Division
Patrick Moley
Piper Sandler & Co., Analysis Division
” Piper Sandler & Co., Analysis Division
Mihir Bhatia
BofA Securities, Analysis Division
” BofA Securities, Analysis Division
Reginald Smith
JPMorgan Chase & Co, Analysis Division
” JPMorgan Chase & Co, Analysis Division
James Faucette
Morgan Stanley, Analysis Division
” Morgan Stanley, Analysis Division
Robert Wildhack
Autonomous Analysis US LP
” Autonomous Analysis US LP
John Hecht
Jefferies LLC, Analysis Division
” Jefferies LLC, Analysis Division
Operator
Good afternoon, and welcome to the Upstart Third Quarter 2025 Earnings Name.