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[情報] UPST.US 財報

看板Stock標題[情報] UPST.US 財報作者
FableKevinS
(FableKevinS)
時間推噓38 推:38 噓:0 →:41

懶人包:
Q1 eps 0.61
下調 2022 guidance 約10%
下調Q2 guidance 約50%
盤後斷頭台 -45%中
https://i.imgur.com/dHZc3N1.jpg

圖https://i.imgur.com/dHZc3N1.jpg?e=1667349689&s=U9rLiADT9G9xi3Jg_rpMkQ, UPST.US 財報

350買 250吃筍過
大空頭停損永不嫌晚 切記


CFO says more conservative forecast reflects 'the general macro uncertaintiesand the emerging prospects of a recession'
首席財務官説,更保守的預測反映了總體宏觀不確定性和經濟衰退的新前景。

Shares of Upstart Holdings Inc. plunged more than 40% in after-hours trading Monday after the company cut its forecast for the full year, warning that the current macroeconomic climate is expected to weigh on loan volume.
週一盤後交易中,Upstart Holdings Inc.的股價暴跌逾40%,此前該公司下調了全年預期,並警告稱,當前的宏觀經濟環境預計將拖累貸款額。

The company, which uses artificial intelligence in lending decisions, now expects 2022 revenue of roughly $1.25 billion. Its prior forecast was for about $1.4 billion in revenue.
該公司在貸款決策中使用人工智能,目前預計2022年的收入約為12.5億美元。該公司此前的預測是營收約為14億美元。

The rise in consumer interest rates means that "on the margin, a whole bunch of people that would have been approved are no longer approved," Chief Executive Dave Girouard said on Upstart's (UPST) earnings call.
首席執行官戴夫椰N魯亞德在UpStart(UPST)的財報電話會議上表示,消費者利率的上升意味着“在邊際上,一大羣本可以獲得批准的人不再獲得批准。”

"So there's a whole bunch of loans that just never happened at all, and there's a bunch of people that are still approved, but the interest rate is a few percentage points higher, and a certain fraction of them are going to decide that's not the product that they want," he said, especially citing the case of discretionary purchases.
“因此,有一大堆貸款根本就沒有發生過,還有一大批人仍然獲得批准,但利率高了幾個百分點,其中一定一部分人會決定這不是他們想要的產品,”他説,特別是提到了可自由支配購買的情況。

Additionally, Chief Financial Officer Sanjay Datta noted that while delinquencies were "unnaturally low" for about 18 months, the trend has reversed given the absence of government stimulus activity.
此外,首席財務官Sanjay Datta指出,儘管違約率在大約18個月內處於“不正常的低水平”,但由於缺乏政府刺激活動,這一趨勢已經逆轉。

Delinquency dynamics also contribute to higher interest rates quoted to consumers, he said, though Upstart has seen a stabilization in delinquency trends over the past 60 days.
他説,拖欠動態也導致向消費者報價的利率上升,儘管UpStart在過去60天裏看到拖欠趨勢企穩。

"Given the general macro uncertainties and the emerging prospects of a recession later this year, we have deemed it prudent to reflect a higher degree of conservatism in our forward expectations," Datta said on Upstart's earnings call.
達塔在UpStart的財報電話會議上表示:“考慮到總體宏觀不確定性和今年晚些時候出現
的衰退前景,我們認為在前瞻性預期中反映出更高程度的保守主義是謹慎的。”

For the second quarter, Upstart anticipates revenue of $295 million to $305 million, while analysts had been expecting $335 million.
對於第二季度,UpStart預計收入在2.95億美元至3.05億美元之間,而分析師此前的預期為3.35億美元。

The bleaker forecast overshadowed better-than-expected results for Upstart's most recent quarter, as revenue jumped to $310 million from $121 million, while analysts had been expecting $300 million.
這一黯淡的預測蓋過了UpStart最近一個季度好於預期的業績,收入從1.21億美元躍升至3.1億美元,而分析師此前預計為3億美元。

The company generated $314 million in fee revenue, up 170% from a year prior,whereas the FactSet consensus was for $287 million
該公司產生了3.14億美元的手續費收入,同比增長170%,而FactSet的共識是2.87億美元

Upstart also reported first-quarter net income of $32.7 million, or 34 cents a share, compared with $10.1 million, or 11 cents a share, in the year-earlierperiod. After adjusting for stock-based compensation and other expenses, Upstart earned 61 cents a share, up from 22 cents a share a year prior and ahead of the FactSet consensus, which was for 53 cents a share.
UpStart還公佈了第一季度淨利潤為3,270萬美元,合每股34美分,而去年同期為1,010萬美元,合每股11美分。扣除基於股票的薪酬和其他費用後,UpStart每股盈利61美分,高於一年前的每股22美分,也高於FactSet共識的每股53美分。

"We are actually quite pleased and quite happy with the results," Girouard said on the earnings call. While he appreciates "that 2022 is a complicated yearin the economy," he emphasized that he's "exceptionally confident in the strength of the business and is optimistic about our future, as we have been."
吉魯亞德在財報電話會議上表示:“實際上,我們對業績感到非常滿意和滿意。”雖然他
理解“2022年是經濟形勢複雜的一年”,但他強調,他“對公司的實力非常有信心,對我
們的未來非常樂觀,就像我們一直以來的情況一樣。”



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Alwen 05/10 08:05示範如何瞬間斷頭 跑都跑不了

※ 編輯: FableKevinS (42.76.17.244 臺灣), 05/10/2022 08:06:12

dhvaja 05/10 08:05每天震盪幅度大的小股票真的不要隨意碰

NEX4036 05/10 08:06斷頭 直接不給跑 刺激

dhvaja 05/10 08:06表示大戶籌碼少,都是散戶互打...籌碼太亂利多不漲

dhvaja 05/10 08:07利空就暴跌,不就反映都是短線客在玩,根本沒人

dhvaja 05/10 08:07要長投

TokyoShot 05/10 08:08機構也是會砍的啊…

dhvaja 05/10 08:09UPST的貸款利率本來就很高,升息之後利率報價會更高

bolovema 05/10 08:09太屌了,盤後直接-45%。

uller 05/10 08:09慘….

dhvaja 05/10 08:10之後就2種狀況,借貸需求下降或違約升高...

momoidcool 05/10 08:10我要歐印攤平了啦

m4m06 05/10 08:10真的upset了

tarcowang 05/10 08:11以前有股板鄉民提過,他開車聽到廣播中某支製藥股

tarcowang 05/10 08:11股價剩一半,還以爲公司拆股,從沒想過股價會一天

tarcowang 05/10 08:11腰斬

Alwen 05/10 08:12成長股屍橫遍野,想想連科技巨頭都頂不住了

Alwen 05/10 08:13這些本益比(有些還沒有)的玩意兒,一旦獲利不如預

Alwen 05/10 08:13期,只能等死

Gyin 05/10 08:14TENGA都撐不住了何況是這些

capssan 05/10 08:15網飛:老子連兩次財報後-30% 叫學長

mioco 05/10 08:15upst盤後只剩4x塊,慘到不能再慘,瞬間腰斬

piece1 05/10 08:16涼了...只能說好險只壓幾千元嗎?QQ

Alwen 05/10 08:16蘇媽微軟這種財報都被無情砍殺,你獲利不如預期...

f204137 05/10 08:17美國今年大幅升息 不跑也是自找

KANGTA23 05/10 08:18不是A大發的就是少一味,坐等A大專業文!

f204137 05/10 08:18UPST被利率變化影響

vgil 05/10 08:18從高點400墜到40

Alwen 05/10 08:21美股買小型成長股的這波沒跑掉的話,會有陰影

TokyoShot 05/10 08:22股神們 好好賺錢工作吧

LearnRPG 05/10 08:26https://imgur.com/iSKmJRP.jpg 好像也不是反指標XD

圖https://imgur.com/iSKmJRP.jpg, UPST.US 財報

woofwoof009 05/10 08:26這波暴跌本益比接近20了

cool189 05/10 08:28一折收 (什麼真的一折了

woofwoof009 05/10 08:28好奇會不會走Amzn 2000年 劇本XD

peace1way 05/10 08:29噗,不是買美股不會跌嗎?繼續上車不要怕呀XDDD

Infinair 05/10 08:3145%也太猛了XDD 好刺激

faelone 05/10 08:31這種跌幅就機構砸出來的,你知以為散戶砸的了哦

cubegaga 05/10 08:33按照上面那張圖 abc大大應該沒什麼賠 獲利吐回去而

cubegaga 05/10 08:33

donkilu 05/10 08:33有夠恐怖…

XDDDpupu556605/10 08:35美麗ㄉ懸崖

gladopo 05/10 08:35還好我之前財報就賣了...

m4m06 05/10 08:40夢一場QQ

SILee 05/10 08:42為滿手RSU的公司碼農們默哀XD

derekhsu 05/10 08:44再也不賭財報了

moike22 05/10 08:47好…好慘

ds1999h 05/10 08:48看來還會繼續殺 10元以下不是夢

dl123 05/10 08:51不懂為什麼一堆人買這檔 還有人ALL IN..

SILee 05/10 08:52這波真的把一堆打著AI旗號到處騙吃騙喝的軟體公司都

SILee 05/10 08:52打回原形了。

CaTkinGG 05/10 08:53豪可怕

TCBGA 05/10 08:56期待大大分析

Murasaki011005/10 08:56怎麼可能沒賠 200多一路加碼

xsoho 05/10 09:04潮水退了就知道有沒有穿褲子

dslite 05/10 09:07只遇過-30%的 長知識了

longkiss061805/10 09:09狂ㄟ... 剛剛看-50%

lise1017 05/10 09:24大部份人都說美股打第四節那是不正確的 美股是打加

lise1017 05/10 09:24時賽的XDD

forbake1 05/10 09:34吃到這根美股今年賠了

WWIII 05/10 09:55美股真的雷 一次跌一半

syterol 05/10 10:17前幾天財報的cloudflare,應該也來一篇

guppys2005 05/10 10:35前幾天要空但利率太高 可惜 應該空下去的

dapple 05/10 10:43這市況還敢賭財報的也是很有勇氣

like3100 05/10 10:55https://i.imgur.com/InosaNQ.jpg

圖https://i.imgur.com/InosaNQ.jpg?e=1667316261&s=7VPYQjIYw1gUXgVnJf3qFA, UPST.US 財報

wxad2000 05/10 11:02之前200一路撿到150就出清只剩3000美,沒想到還有這

wxad2000 05/10 11:02波,好痛…

choasX 05/10 11:23割韭菜了

shiz 05/10 11:23還好先前已減碼

kevinmeng2 05/10 11:45這只是剛開始…tsla相對抗跌,但可能都會到750…

kevinmeng2 05/10 11:45你買這阿薩布魯的最少對半砍起跳

kevinmeng2 05/10 11:46另外,財報是落後指標…剛開始跌而已

shawncarter 05/10 11:59笑死 帶頭買的躲好幾個月完全不敢出來

wowtaiwanese05/10 12:31樓上,人家是分享心得不是揪你團購

sorryla 05/10 14:08樓樓上也笑死只敢棒打落水狗,去年400怎麼不出來叫

shawncarter 05/10 15:57跟韭菜王的單還幫忙護航真可憐 牛市的時候一個禮拜

shawncarter 05/10 15:57發一次文 信徒在那邊什麼神什麼大的在拜 現在股價

shawncarter 05/10 15:57打兩折打落水狗又怎樣?賺錢敲鑼打鼓,賠錢人間蒸

shawncarter 05/10 15:57發,廢到笑,比起一些出來面對的,酸他剛好而已

haoamou 05/10 17:06請問是什麼app