8月5日，Upstart Holdings盘前上涨12.6%，报34.18美元/股，成交额25.73万美元。
消息面上，公司公布第二季度业绩：营收3.65亿美元，同比增长42%，超市场预期；调整后EPS为0.56美元，超预期0.53美元约5.7%；调整后EBITDA为7690万美元，同比增长45%，大幅超出预期的6440万美元。本季度贷款发放总额达42.3亿美元，日均发放量5390万美元，平台规模持续扩大。公司表示AI信贷模型持续优化，推动核心个人贷款业务恢复增长。此外，公司近期获OCC有条件批准设立Upstart Bank，并与Castlelake签署40亿美元远期贷款购买协议，资金端持续拓展。全年营收指引维持约14亿美元，略低于市场预期的14.2亿美元。
Upstart Holdings运营人工智能驱动的贷款市场，为个人贷款、汽车贷款和房屋净值信贷额度等产品提供便利，其平台将AI模型应用于承保、欺诈检测和收入验证。
（以上内容均基于市场公开消息，由程序或算法智能生成，仅作为股价异动提醒，不作为投资建议或交易依据。）
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