AI借贷平台公司Upstart Holdings（UPST）在夜盘交易中遭遇重创，股价骤然下跌15.64%。这一大幅下跌主要源于公司发布的第四季度业绩指引令投资者失望，同时第三季度业绩表现喜忧参半。
根据公司最新发布的财报，Upstart预计第四季度营收为2.88亿美元，显著低于市场普遍预期的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，同样未能达到分析师预期的7070万美元。受此影响，公司还下调了全年营收指引至10.35亿美元，较此前的10.55亿美元和市场预期的10.6亿美元均有所下降。
尽管第三季度业绩显示公司在某些方面取得了进展，如调整后每股收益（EPS）为0.52美元，超过分析师预期的0.42美元，但这似乎不足以抵消投资者对未来业绩的担忧。公司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，显示公司的AI平台正如设计般有效运作。然而，市场似乎更关注公司面临的挑战和不确定性，导致股价在财报发布后出现大幅下跌。
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