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1. 標的：UPST.US

2. 分類：討論

3. 分析/正文：

Upstart Holdings Q2 Earnings Recap: Revenue And EPS Miss, CEO Calls Quarter
'Disappointing'

Upstart控股第二季度收益回顧：營收和每股收益低於預期，首席執行官稱本季度令人失
望

https://news.futunn.com/hk/post/18249576

Artificial intelligence based lending company Upstart Holdings Inc
(NASDAQ:UPST) reported second-quarter financial results after the market
close Monday. Here are the key takeaways.

基於人工智能的貸款公司Upstart控股有限公司納斯達克(UPST：UPST)週一收盤後公佈了
第二季度財務業績。以下是關鍵的要點。

What Happened:Revenue in the second quarter was $228 million, up 18%
year-over-year. Revenue came is below a Street estimate of $241.6 million,
according to data from Benzinga Pro.

發生的事情：第二季度營收為2.28億美元，同比增長18%。根據Benzinga Pro的數據，收
入低於華爾街預測的2.416億美元。

The company reported earnings per share of 1 cent in the second quarter,
below a Street estimate of 10 cents.

該公司公佈第二季度每股收益為1美分，低於華爾街預測的10美分。

Upstart had 321,138 loans originated by bank partners in the second quarter
that totaled $3.3 billion. Loans were up 12% year-over-year.

Upstart在第二季度從銀行合作伙伴那裏獲得了321,138筆貸款，總額為33億美元。
貸款同比增長了12%。

Conversion on rare requests were 13% in the second quarter, down from 24%
from last year's second quarter.

今年第二季度，罕見需求的轉化率為13%，低於去年第二季度的24%。

"This quarter's results are disappointing and reflect a difficult
macroeconomic environmental that led to funding constraints in our
marketplace," Upstart CEO Dave Girouard said. "In response we're taking the
necessary actions to build a more resilient and committed funding model over
time."



The company repurchased 3.5 million shares of UPST totaling $125 million in
the second quarter.

該公司在第二季度回購了350萬股UPST股票，總金額為1.25億美元。


What's Next: Upstart is guiding for third-quarter revenue to hit $170
million. Benzinga Pro data shows analysts expecting the company to post
$248.9 million in third-quarter revenue.

接下來是什麼：Upstart預計第三季度營收將達到1.7億美元。Benzinga Pro的數據顯示，
分析師預計該公司第三季度營收將達到2.489億美元。

"We're confident that our AI-based risk model is more accurate than ever, and
provides the opportunity for long-term, sustainable growth," Girouard said.

吉魯亞德説：“我們相信，我們基於人工智能的風險模型比以往任何時候都更準確，併為
長期、可持續的增長提供了機會。”

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這篇談話 有興趣的就自己看吧
https://news.futunn.com/hk/post/18252108

Upstart stock drops after earnings, but CEO says he's 'confident' in value of
AI lending

Upstart股價在盈利後下跌，但首席執行官表示，他對人工智能貸款的價值充滿信心

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在利率升高的當下 借貸平台的業績不好也是合理


4. 進退場機制：(非長期投資者，必須有停損機制。討論、心得類免填)

無

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