AI借贷平台Upstart Holdings（UPST）今日盘前股价大跌13.80%，主要原因是公司发布的第四季度业绩指引低于市场预期，同时下调了全年营收预期。
根据公司最新财报，Upstart预计第四季度营收为2.88亿美元，显著低于分析师预期的3.037亿美元；调整后息税折旧摊销前利润（EBITDA）预计约为6300万美元，同样未达市场预期的7070万美元。受此影响，公司将全年营收指引下调至10.35亿美元，低于此前的10.55亿美元和市场预期的10.6亿美元。这一疲软的业绩展望引发了投资者对公司未来增长的担忧。
尽管第三季度业绩喜忧参半，但仍显示出一些积极信号。公司第三季度调整后每股收益（EPS）为0.52美元，超过分析师预期的0.42美元。Upstart CEO Dave Girouard强调，第三季度贷款发放量同比增长80%，营收增长71%，GAAP净利润环比增长六倍，表明公司的AI平台正如设计般有效运作。然而，这些亮点似乎未能抵消投资者对未来业绩的担忧，导致股价在财报发布后出现大幅下跌。
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