1. 标的：UPST.US
2. 分类：讨论
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顾：营收和每股收益低于预期，首席执行官称本季度令人失
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.
基于人工智能的贷款公司Upstart控股有限公司纳斯达克(UPST：UPST)周一收盘后公布了
第二季度财务业绩。以下是关键的要点。
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.
发生的事情：第二季度营收为2.28亿美元，同比增长18%。根据Benzinga Pro的数据，收
入低于华尔街预测的2.416亿美元。
The company reported earnings per share of 1 cent in the second quarter,
below a Street estimate of 10 cents.
该公司公布第二季度每股收益为1美分，低于华尔街预测的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在第二季度从银行合作伙伴那里获得了321,138笔贷款，总额为33亿美元。
贷款同比增长了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，罕见需求的转化率为13%，低于去年第二季度的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."
首席执行官upstart表示：“本季度业绩令人失望，反映出困难的宏观经济环境导致我们
的市场资金紧张。”戴夫·吉鲁亚德说。“作为回应，我们正在采取必要的行动，随着时
间的推移，建立一种更具弹性和更坚定的融资模式。”
The company repurchased 3.5 million shares of UPST totaling $125 million in
the second quarter.
该公司在第二季度回购了350万股UPST股票，总金额为1.25亿美元。
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.
接下来是什么：Upstart预计第三季度营收将达到1.7亿美元。Benzinga Pro的数据显示，
分析师预计该公司第三季度营收将达到2.489亿美元。
"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.
吉鲁亚德说：“我们相信，我们基于人工智能的风险模型比以往任何时候都更准确，并为
长期、可持续的增长提供了机会。”