Upstart Holdings, Inc. (UPST) Goldman Sachs Communacopia + Technology Conference 2026 September 8, 2026 2:30 PM EDT
Company Participants
Paul Gu – CEO & Director
Conference Call Participants
William Nance – Goldman Sachs Group, Inc., Research Division
Presentation
William Nance
Goldman Sachs Group, Inc., Research Division
All right. We are going to get going with our next fireside. We are very excited to have Paul Gu here, Co-Founder of Upstart, longtime Chief Technology Officer and more recently, assuming the role of CEO. So Paul, thanks for being here.
Paul Gu
CEO & Director
Yes. Excited to be here.
William Nance
Goldman Sachs Group, Inc., Research Division
Before we kick it off, I’m just going to read a quick disclaimer, and then we can get into it. So 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 is 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 the IR website for additional information, including GAAP to non-GAAP reconciliations, along with other disclosures.
All right. The exciting legal lease out of today. Paul, let’s kick it off.
Question-and-Answer Session
William Nance
Goldman Sachs Group, Inc., Research Division
Thanks for being here. I wanted to start with what feels kind of like the defining strategic message of your first couple of quarters as CEO. You’ve been very direct that the core personal loan product is really the super power of the business, the highest margin, most differentiated. And that your first priority was simply to do a lot more of it. So how are you doing against that goal so far? And how do you