人工智能驱动的借贷平台Upstart Holdings（UPST）今日盘前大跌5.23%，主要原因是该公司公布的第二季度财报显示盈利不及预期，尽管收入超出市场预期。
根据公司发布的财报，Upstart第二季度调整后每股收益为0.36美元，高于去年同期的每股亏损0.17美元，但低于分析师平均预期的0.26美元。然而，公司收入同比大幅增长101.6%，达到2.5729亿美元，超过分析师预期的2.2537亿美元。Upstart的贷款发放量也呈现显著增长，发放了372,599笔贷款，同比增长159%，总发放额超过28亿美元，比去年同期增长154%。
尽管Upstart的收入增长强劲，并且对未来前景持乐观态度，预计第三季度收入约为2.8亿美元，高于分析师预期，但投资者似乎更关注公司的盈利能力挑战。这种矛盾的财务表现可能是导致股价下跌的主要原因。此外，分析师对该公司的平均评级为"持有"，12个月目标价中位数为71.00美元，比其上次收盘价82.83美元低约16.7%，这也可能对投资者信心产生影响。
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