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Uber Technologies UBS’s 2025 Global Technology and AI Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.UBS’s 2025 Global Technology and AI Conference summary3 Dec, 2025
Business performance and growth drivers
Gross bookings grew 21% in Q3, reaching a $50 billion run rate, with growth broad-based across products and geographies.
Investments in quality, such as liquidity, selection, and defect rates, have driven 21% growth in couriers/drivers and 12% growth in merchants year over year.
Expansion into suburbs and sparser markets has resulted in growth rates 1.5 to 3 times higher than in cities.
User growth and frequency both contribute to overall trip growth, with global trips up 22% in Q3 and U.S. penetration at 15%.
Delivery business has seen sequential acceleration for 7-8 quarters, driven by product improvements and increased merchant selection.
Market opportunity and penetration
Top 10 countries have only 15% adult penetration, with even lower rates in 60 other countries, indicating significant growth potential.
Only 20% of users in a given country use both mobility and delivery, leaving room for cross-platform growth.
U.S. market penetration mirrors the global average, suggesting further expansion opportunities.
Continued investment in long-duration growth ideas is planned, leveraging under-penetration and white space.
Insurance cost management and impact
Insurance costs, previously a major headwind, have been reduced through technology, policy, and commercial initiatives.
Technology like Driving Insight incentivizes safer driving, improving safety scores and reducing costs.
Policy reforms in states like California have lowered required liability coverage, reducing legal claims and costs.
Insurance cost as a percentage of gross bookings has dropped from low 20s to mid-single digits.
Savings from lower insurance costs will be reinvested in the U.S. market as lower pricing, expected to drive trip growth in 2026.
Quantify mobility trip growth from insurance savings
Uber's grocery strategy vs. Amazon's full shop
Key investment areas for future growth and leverage
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Next Uber Technologies earnings date
Q4 20254 Feb, 2026
Next Uber Technologies earnings date
Q4 20254 Feb, 2026
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Frequently asked questions
Revolutionizing Modern Transportation
Uber has a fascinating history and has revolutionized the way we think about transportation. The company was founded in 2009 by Travis Kalanick and Garrett Camp, initially as a luxury car service. However, the idea quickly evolved, and the company launched its ride-hailing platform in San Francisco in 2010. As of Q1 2023, the company has a market cap of almost $70 billion and operates in over 10,000 cities worldwide. In addition to its core ride-hailing and food delivery services, Uber has also made headlines for its innovative projects, such as its self-driving car program and its flying taxi service, Uber Air.
Further reading: Dara Khosrowshahi: The Visionary CEO Transforming Uber
Match-making within transport
Uber generates revenue primarily through its ride-hailing services, where drivers are paid a portion of the fare, and Uber takes a commission. The company's technology platform matches riders with nearby drivers, and payments are processed through the app. The ride-hailing segment is the main revenue source for Uber, and the company is continuously looking for ways to expand its user base and services.
Uber eats – delivering food to your doorstep
Uber Eats is the company's food delivery service that allows users to order food from local restaurants and have it delivered to their doorstep. The service has become increasingly popular, especially during the COVID-19 pandemic, when people were relying on food delivery more than ever before. Uber takes a commission from the restaurant for each order, making it another important revenue stream for the company.
Diversifying its revenue streams
Uber is continuously expanding its services to diversify its revenue streams. In 2017, the company launched Uber Freight, a platform connecting shippers with truck drivers. Another launch is Uber Health, a service providing transportation for patients to and from medical appointments. These services are still in their early stages, but they show Uber's commitment to expanding beyond its core ride-hailing business.
Uber’s main competitors
Uber operates in a highly competitive market, with other public companies such as Lyft and Grab also offering ride-hailing services. Lyft is Uber's main competitor in the United States, while Grab operates in Southeast Asia. These companies also offer food delivery and other services to compete with Uber's diversification efforts.
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