<p>尽管近年来面临着重大的营收挑战，利用人工智能识别传统放贷机构常常忽视的信用良好借款人的 Upstart Holdings (UPST) 可能正接近潜在的扭转局面。强劲的第三季度营收指引为 1.5 亿美元，超过分析师平均预估的 1.353 亿美元，表明有望出现有希望的复苏。公司首席执行官戴夫·吉鲁亚德将这一扭转归因于他们人工智能模型的重大进展、资金供应的复苏以及运营效率的提高。</p>
<p>过去三个月股价上涨超过 75%，过去一年上涨超过 102.91%，进一步的上涨潜力使其成为投资者感兴趣的一个有吸引力的收购目标，尤其是对于寻求引人注目金融科技机会的投资者。</p>
<p><img src="https://imageproxy.pbkrs.com/https://blog.tipranks.com/wp-content/uploads/2024/10/UPST-Stock-Chart-10-17-24-1024x584.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://blog.tipranks.com/wp-content/uploads/2024/10/UPST-Stock-Chart-10-17-24-1024x584.png"/></p>
<h2><strong>Upstart 扩大业务范围并筹集资本</strong></h2>
<p>Upstart Holdings 及其子公司经营基于云的人工智能放贷平台，提供多样化的贷款服务，包括个人贷款、汽车零售、再融资贷款、房屋净值信用额度和小额贷款。作为消费者贷款需求与银行合作伙伴之间的桥梁，Upstart 的平台帮助信用合作社和银行满足这一需求。</p>
<p>Upstart 运营的一个关键优势是其利用人工智能。其技术增强了贷款申请和批准流程，使其更加高效和有效。该公司的人工智能平台简化了贷款分发和管理，为其银行和信用合作社合作伙伴提供支持。</p>
<p>公司宣布，蓝猫资本已经做出了对 Upstart 的程序性购买承诺。根据该协议，蓝猫的另类信贷策略将在 18 个月内购买高达 20 亿美元的 Upstart 平台上的消费者贷款，首期为 2.9 亿美元的个人贷款组合。</p>
<p>另外，Upstart 披露了在私人发行中发行的到期日为 2029 年的 3.75 亿美元可转换优先票据的定价。这些票据将是 Upstart 的优先无担保债务，年利率为 2.00%，到期日为 2029 年 10 月 1 日。所得款项将用于各种业务目的。</p>
<h2><strong>对 Upstart 最近财务业绩的分析</strong></h2>
<p>在 2024 年第二季度，公司报告的营收为 1.28 亿美元，同比下降 6%。运营亏损总额为 5550 万美元，而根据通用会计准则，净收入为负 5450 万美元。调整后的净收入亏损为 1530 万美元，较 2023 年第二季度的 540 万美元盈利有所下降。最后，调整后的息税折旧摊销前利润为负 930 万美元，低于 2023 年第二季度的 1100 万美元。调整后的每股收益为-0.17 美元，超过分析师预期的-0.39 美元。</p>
<p>管理层已经给出了第三季度的指引，预计营收约为 1.5 亿美元，超过市场预期的 1.3536 亿美元。尽管如此，公司预计调整后净亏损约为 1400 万美元。</p>
<p>进入 2024 年下半年，Upstart 预计其来自费用的收入约为 3.2 亿美元。此外，公司预计将在 2024 年第四季度实现正的息税折旧摊销前利润。</p>
<h2><strong>UPST 股票的目标价格是多少？</strong></h2>
<p>该股票经历了波动，贝塔系数为 3.49，过去一年上涨超过 86%。它的股价处于 52 周价格范围的高端，为 19.84 美元至 49.62 美元，并显示出积极的价格动能，高于 20 日（37.39）和 50 日（34.48）的移动平均线。它似乎定价较高，其市销率为 8.95 倍，而信贷服务行业的平均市销率为 4.7 倍。</p>
<p>跟踪该公司的分析师对该股持谨慎乐观的态度。例如，Wedbush 分析师大卫·基亚维里尼最近将该股评级从表现不佳调升至中性，同时将目标股价从 10 美元上调至 45 美元。他指出，改善的信用质量指标和降低的利率可能推动 2024 年下半年的贷款发放和调整后息税折旧摊销前利润出现积极拐点。</p>
<p>根据 10 位分析师最近的建议，Upstart Holdings 的综合评级为中度卖出。平均目标股价为 31.44 美元，相对于当前水平下跌 54.39%。</p>
<p><img src="https://imageproxy.pbkrs.com/https://blog.tipranks.com/wp-content/uploads/2024/10/upst.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://blog.tipranks.com/wp-content/uploads/2024/10/upst.jpg"/></p>
<p><strong>查看更多 UPST 股票分析师评级</strong></p>
<h2><strong>Upstart 的结论</strong></h2>
<p>Upstart 似乎正准备从最近的营收挑战中扭转局面。蓝猫资本最近的支持以及最近通过可转换优先票据发行筹集的 3.75 亿美元资本的增加积极影响了公司的财务状况。</p>
<p>此外，公司预计到 2024 年第四季度将实现正的息税折旧摊销前利润，分析师看到当前环境可能进一步推动积极变化。对于寻求引人注目金融科技机会的人来说，UPST 可能是一个吸引人的前景。</p>
<p>披露</p>

UPST

<p>Upstart Holdings（UPST）显示出了扭转局面的迹象，强劲的第三季度营收指引超过了分析师的预期。该公司利用人工智能进行贷款，在三个月内股价上涨超过 75%。最近得到蓝枭资本的支持和发行可转换高级票据进一步增强了其财务状况。尽管在 2024 年第二季度营收下降，Upstart 预计到 2024 年第四季度将实现正面的 EBITDA。分析师持谨慎乐观的态度，平均价格目标表明可能会从当前水平下跌，整体评级为中度卖出</p>

<p>Despite facing significant revenue challenges in recent years, Upstart Holdings (UPST), which uses AI to identify credit-worthy borrowers often missed by traditional lenders, could be nearing a potential turnaround. A strong Q3 revenue guidance of $150 million exceeds analysts’ average estimate of $135.3 million, suggesting a promising revival. The company’s CEO, Dave Girouard, attributes this turnaround to substantial advances in their AI model, a rejuvenated funding supply, and improved operational efficiency.</p>
<div class="lb-trans"><p>尽管近年来面临着重大的营收挑战，利用人工智能识别传统放贷机构常常忽视的信用良好借款人的 Upstart Holdings (UPST) 可能正接近潜在的扭转局面。强劲的第三季度营收指引为 1.5 亿美元，超过分析师平均预估的 1.353 亿美元，表明有望出现有希望的复苏。公司首席执行官戴夫·吉鲁亚德将这一扭转归因于他们人工智能模型的重大进展、资金供应的复苏以及运营效率的提高。</p>
</div><p>The stock is up over 75% in the past three months and over 102.91% in the past year, with further upside potential, making it an attractive acquisition target for investors interested in an intriguing fintech opportunity.</p>
<div class="lb-trans"><p>过去三个月股价上涨超过 75%，过去一年上涨超过 102.91%，进一步的上涨潜力使其成为投资者感兴趣的一个有吸引力的收购目标，尤其是对于寻求引人注目金融科技机会的投资者。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://blog.tipranks.com/wp-content/uploads/2024/10/UPST-Stock-Chart-10-17-24-1024x584.png" alt="" original-src="https://blog.tipranks.com/wp-content/uploads/2024/10/UPST-Stock-Chart-10-17-24-1024x584.png"/></p>
<h2><strong>Upstart Grows Footprint and Raises Capital</strong></h2>
<div class="lb-trans"><h2><strong>Upstart 扩大业务范围并筹集资本</strong></h2>
</div><p>Upstart Holdings and its subsidiaries run a cloud-based AI lending platform offering diverse loan services, including personal loans, automotive retail, refinance loans, home equity lines of credit, and small-dollar loans. Serving as a bridge between consumer demand for loans and their banking partners, Upstart’s platform helps credit unions and banks fulfill this requirement.</p>
<div class="lb-trans"><p>Upstart Holdings 及其子公司经营基于云的人工智能放贷平台，提供多样化的贷款服务，包括个人贷款、汽车零售、再融资贷款、房屋净值信用额度和小额贷款。作为消费者贷款需求与银行合作伙伴之间的桥梁，Upstart 的平台帮助信用合作社和银行满足这一需求。</p>
</div><p>A key strength of Upstart’s operation is its utilization of artificial intelligence. Its technology enhances the loan application and approval process, making it more efficient and effective. The company’s AI-enabled platform streamlines loan distribution and management for its banking and credit union partners.</p>
<div class="lb-trans"><p>Upstart 运营的一个关键优势是其利用人工智能。其技术增强了贷款申请和批准流程，使其更加高效和有效。该公司的人工智能平台简化了贷款分发和管理，为其银行和信用合作社合作伙伴提供支持。</p>
</div><p>The company announced that Blue Owl Capital has made a programmatic purchase commitment to Upstart. Under this agreement, Blue Owl’s Alternative Credit strategy will buy up to $2 billion worth of consumer loans on the Upstart platform over 18 months, commencing with a $290 million personal loan portfolio.</p>
<div class="lb-trans"><p>公司宣布，蓝猫资本已经做出了对 Upstart 的程序性购买承诺。根据该协议，蓝猫的另类信贷策略将在 18 个月内购买高达 20 亿美元的 Upstart 平台上的消费者贷款，首期为 2.9 亿美元的个人贷款组合。</p>
</div><p>In a separate announcement, Upstart disclosed the pricing of $375 million of Convertible Senior Notes due 2029 in a private offering. The notes, which will be senior, unsecured obligations of Upstart, will bear an interest rate of 2.00% per year and mature on October 1, 2029. The proceeds will be used for various business purposes.</p>
<div class="lb-trans"><p>另外，Upstart 披露了在私人发行中发行的到期日为 2029 年的 3.75 亿美元可转换优先票据的定价。这些票据将是 Upstart 的优先无担保债务，年利率为 2.00%，到期日为 2029 年 10 月 1 日。所得款项将用于各种业务目的。</p>
</div><h2><strong>Analysis of Upstart’s Recent Financial Results</strong></h2>
<div class="lb-trans"><h2><strong>对 Upstart 最近财务业绩的分析</strong></h2>
</div><p>During the second quarter of 2024, the company reported revenues of $128 million, a year-over-year decrease of 6%. The loss from operations totaled $55.5 million, while GAAP net income posted a loss of $54.5 million. Adjusted net income loss was $15.3 million, a swing from the $5.4 million profit in Q2 2023. Finally, the adjusted EBITDA was negative $9.3 million, down from $11.0 million in Q2 2023. The adjusted earnings per share were -$0.17, which beat analyst expectations for -$0.39.</p>
<div class="lb-trans"><p>在 2024 年第二季度，公司报告的营收为 1.28 亿美元，同比下降 6%。运营亏损总额为 5550 万美元，而根据通用会计准则，净收入为负 5450 万美元。调整后的净收入亏损为 1530 万美元，较 2023 年第二季度的 540 万美元盈利有所下降。最后，调整后的息税折旧摊销前利润为负 930 万美元，低于 2023 年第二季度的 1100 万美元。调整后的每股收益为-0.17 美元，超过分析师预期的-0.39 美元。</p>
</div><p>Management has given guidance for the third quarter, forecasting revenue of around $150 million, which exceeds the consensus projection of $135.36 million. Despite this, the company anticipates an adjusted net loss of roughly $14 million.</p>
<div class="lb-trans"><p>管理层已经给出了第三季度的指引，预计营收约为 1.5 亿美元，超过市场预期的 1.3536 亿美元。尽管如此，公司预计调整后净亏损约为 1400 万美元。</p>
</div><p>Heading into the second half of 2024, Upstart is estimating its revenue from fees to be around $320 million. Furthermore, the company expects to achieve positive EBITDA in the fourth quarter of 2024.</p>
<div class="lb-trans"><p>进入 2024 年下半年，Upstart 预计其来自费用的收入约为 3.2 亿美元。此外，公司预计将在 2024 年第四季度实现正的息税折旧摊销前利润。</p>
</div><h2><strong>What Is the Price Target for UPST Stock?</strong></h2>
<div class="lb-trans"><h2><strong>UPST 股票的目标价格是多少？</strong></h2>
</div><p>The stock has been on a volatile ride, with a beta of 3.49, as it has climbed over 86% in the past year. It trades at the high end of its 52-week price range of $19.84 – $49.62 and shows positive price momentum, trading above the 20-day (37.39) and 50-day (34.48) moving averages. It appears to be priced at a premium, with a P/S ratio of 8.95x compared to the Credit Services industry average of 4.7x.</p>
<div class="lb-trans"><p>该股票经历了波动，贝塔系数为 3.49，过去一年上涨超过 86%。它的股价处于 52 周价格范围的高端，为 19.84 美元至 49.62 美元，并显示出积极的价格动能，高于 20 日（37.39）和 50 日（34.48）的移动平均线。它似乎定价较高，其市销率为 8.95 倍，而信贷服务行业的平均市销率为 4.7 倍。</p>
</div><p>Analysts following the company have taken a cautiously optimistic view of the stock. For example, Wedbush analyst David Chiaverini recently upgraded the stock from Underperform to Neutral while raising the price target from $10 to $45. He noted that improving credit quality metrics and lowering interest rates could drive a positive inflection in the originations and adjusted EBITDA in the second half of 2024.</p>
<div class="lb-trans"><p>跟踪该公司的分析师对该股持谨慎乐观的态度。例如，Wedbush 分析师大卫·基亚维里尼最近将该股评级从表现不佳调升至中性，同时将目标股价从 10 美元上调至 45 美元。他指出，改善的信用质量指标和降低的利率可能推动 2024 年下半年的贷款发放和调整后息税折旧摊销前利润出现积极拐点。</p>
</div><p>Upstart Holdings is rated a Moderate Sell overall, based on 10 analysts’ recent recommendations. The average price target is $31.44, which represents a potential decline of 54.39% from current levels.</p>
<div class="lb-trans"><p>根据 10 位分析师最近的建议，Upstart Holdings 的综合评级为中度卖出。平均目标股价为 31.44 美元，相对于当前水平下跌 54.39%。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://blog.tipranks.com/wp-content/uploads/2024/10/upst.jpg" alt="" original-src="https://blog.tipranks.com/wp-content/uploads/2024/10/upst.jpg"/></p>
<p><strong>See more UPST analyst ratings</strong></p>
<div class="lb-trans"><p><strong>查看更多 UPST 股票分析师评级</strong></p>
</div><h2><strong>Bottom Line on Upstart</strong></h2>
<div class="lb-trans"><h2><strong>Upstart 的结论</strong></h2>
</div><p>Upstart seems poised for a promising turnaround from recent revenue challenges. The recent backing by Blue Owl Capital and the addition of $375 million in capital from a recent Convertible Senior Note offering positively impact the firm’s financial position.</p>
<div class="lb-trans"><p>Upstart 似乎正准备从最近的营收挑战中扭转局面。蓝猫资本最近的支持以及最近通过可转换优先票据发行筹集的 3.75 亿美元资本的增加积极影响了公司的财务状况。</p>
</div><p>Also, the company anticipates a return to positive EBITDA by Q4 2024, and analysts see the potential for the current environment to drive positive changes further. UPST could be an appealing prospect for those seeking an intriguing fintech opportunity.</p>
<div class="lb-trans"><p>此外，公司预计到 2024 年第四季度将实现正的息税折旧摊销前利润，分析师看到当前环境可能进一步推动积极变化。对于寻求引人注目金融科技机会的人来说，UPST 可能是一个吸引人的前景。</p>
</div><p>Disclosure</p>
<div class="lb-trans"><p>披露</p>
</div>

Upstart Holdings 股票（UPST）：强劲的第三季度指引预示着转机