人工智能驱动的借贷平台Upstart Holdings, Inc.（股票代码：UPST）今日盘前大涨6.34%，延续了昨日夜盘的强劲表现。这一显著涨幅主要源于公司发布的2025财年第一季度财报远超市场预期。
根据Upstart Holdings公布的财报显示，公司2025财年第一季度实现营业收入2.13亿美元，同比大幅增长66.41%。尽管公司仍处于亏损状态，但净亏损显著收窄，为245万美元，同比减少96.21%。每股基本亏损为0.03美元。这些数据表明，公司在收入增长和成本控制方面都取得了显著进展，大大超出了分析师的预期。
Upstart Holdings的业务模式涉及个人贷款、汽车零售和再融资贷款、房屋净值信用额度以及小额贷款等领域。公司利用专有的基于云的人工智能借贷平台，将消费者的贷款需求与AI驱动的银行合作伙伴网络连接起来。这一创新模式似乎正在获得市场的认可，反映在公司强劲的收入增长上。尽管投资者对公司未来的增长前景保持乐观，推动了股价的上涨，但仍需关注公司能否在未来几个季度中实现盈利，以及其AI驱动的信贷评估模型在不同经济环境下的表现。
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