1. 標的：UPST.US
2. 分類：討論
3. 分析/正文：
Upstart Holdings Q2 Earnings Recap: Revenue And EPS Miss, CEO Calls Quarter
'Disappointing'
Upstart控股第二季度收益回顧：營收和每股收益低於預期，首席執行官稱本季度令人失
望
https://news.futunn.com/hk/post/18249576
Artificial intelligence based lending company Upstart Holdings Inc
(NASDAQ:UPST) reported second-quarter financial results after the market
close Monday. Here are the key takeaways.
基於人工智能的貸款公司Upstart控股有限公司納斯達克(UPST：UPST)週一收盤後公佈了
第二季度財務業績。以下是關鍵的要點。
What Happened:Revenue in the second quarter was $228 million, up 18%
year-over-year. Revenue came is below a Street estimate of $241.6 million,
according to data from Benzinga Pro.
發生的事情：第二季度營收為2.28億美元，同比增長18%。根據Benzinga Pro的數據，收
入低於華爾街預測的2.416億美元。
The company reported earnings per share of 1 cent in the second quarter,
below a Street estimate of 10 cents.
該公司公佈第二季度每股收益為1美分，低於華爾街預測的10美分。
Upstart had 321,138 loans originated by bank partners in the second quarter
that totaled $3.3 billion. Loans were up 12% year-over-year.
Upstart在第二季度從銀行合作伙伴那裏獲得了321,138筆貸款，總額為33億美元。
貸款同比增長了12%。
Conversion on rare requests were 13% in the second quarter, down from 24%
from last year's second quarter.
今年第二季度，罕見需求的轉化率為13%，低於去年第二季度的24%。
"This quarter's results are disappointing and reflect a difficult
macroeconomic environmental that led to funding constraints in our
marketplace," Upstart CEO Dave Girouard said. "In response we're taking the
necessary actions to build a more resilient and committed funding model over
time."
首席執行官upstart表示：“本季度業績令人失望，反映出困難的宏觀經濟環境導致我們
的市場資金緊張。”戴夫·吉魯亞德説。“作為迴應，我們正在採取必要的行動，隨着時
間的推移，建立一種更具彈性和更堅定的融資模式。”
The company repurchased 3.5 million shares of UPST totaling $125 million in
the second quarter.
該公司在第二季度回購了350萬股UPST股票，總金額為1.25億美元。
What's Next: Upstart is guiding for third-quarter revenue to hit $170
million. Benzinga Pro data shows analysts expecting the company to post
$248.9 million in third-quarter revenue.
接下來是什麼：Upstart預計第三季度營收將達到1.7億美元。Benzinga Pro的數據顯示，
分析師預計該公司第三季度營收將達到2.489億美元。
"We're confident that our AI-based risk model is more accurate than ever, and
provides the opportunity for long-term, sustainable growth," Girouard said.
吉魯亞德説：“我們相信，我們基於人工智能的風險模型比以往任何時候都更準確，併為
長期、可持續的增長提供了機會。”