Movement Alert｜Upstart Holdings, Inc. Rises 12.6% in Pre-Market Trading, Q2 Revenue and Adjusted EPS Both Beat Expectations

Market Focus08-05

On August 5, Upstart Holdings, Inc. rose 12.6% in pre-market trading, trading at $34.12/share, with turnover of $294,300.

The movement was driven by the company's strong Q2 earnings report. Upstart posted quarterly revenue of $364.7 million, up 42% year-over-year, exceeding the analyst consensus estimate of approximately $351.5 million. Adjusted EPS came in at $0.56, beating the $0.53 estimate by 5.66%, representing a 55.56% increase from $0.36 per share in the year-ago quarter. Adjusted EBITDA reached $76.9 million, up 45% year-over-year and well above the $64.4 million market expectation.

The company attributed the strong performance to continued optimization of its AI credit model, which more accurately differentiates between low-risk and high-risk borrowers, driving a reacceleration in its core personal loan business. Q2 loan originations totaled $4.23 billion with average daily originations of $53.9 million. Additionally, Upstart recently secured conditional OCC approval to establish Upstart Bank and signed a $4 billion forward-flow agreement with Castlelake, expanding its funding capacity. The company maintained full-year revenue guidance of approximately $1.4 billion.

(The above content is based on publicly available market information, generated by a program or algorithm, and is intended solely as a stock movement alert. It does not constitute investment advice or a basis for trading decisions.)

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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