Upstart Holdings, Inc. (UPST) Presents at Bank of America SMID Cap Virtual Conference Transcript

SA Transcripts 161.74K Followers Follow Upstart Holdings, Inc. ( UPST ) Bank of America SMID Cap Virtual Conference August 11, 2026 11:00 AM EDT Company Participants Paul Gu - CEO & Director Conference Call Participants Harold Eugene Brown - BofA Securities, Research Division Mihir Bhatia - BofA Securities, Research Division Presentation Harold Eugene Brown BofA Securities, Research Division Hi, everyone. I'm Trey Brown. I work together with Joe Hall on our U.S. small and mid-cap strategy team within BofA Global Research. We have a few sessions going on concurrently, but Joe and I just wanted to welcome everyone to our 2-day Annual SMID Cap Executive Insights event, which provides opportunities to hear from corporates across the small and mid-cap space, where BofA has great breadth of coverage. Our analysts cover nearly 1,000 small and mid-caps in the U.S. and Joe and I have also been expecting continued leadership from SMID Cap in the back half of this year. So please feel free to reach out if you need the schedule or want to sign up for any additional sessions today or tomorrow. We have nearly 20 companies joining or if we can help sign you up for either our small mid-cap strategy research or our daily compilation of SMID Cap fundamental research. But with that, I'd like to pass it over to Mihir Bhatia, our consumer finance analyst, to introduce Upstart Holdings. Mihir Bhatia BofA Securities, Research Division Thanks, Trey. Thanks, everyone, for joining and especially to the Upstart team and Paul. Really appreciate you guys joining us today. Before we get started, one quick disclosure statement that I've been asked to read. 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 are subject to risks and uncertainties. Actual results may differ materially from these