Movement Alert｜Upstart Holdings, Inc. Rises 8.11% in Regular Trading, Q2 Revenue and Adjusted EPS Beat Expectations

Market Focus08-05

On August 5, Upstart Holdings, Inc. rose 8.11% in regular trading, trading at $31.225/share, with turnover of $37.453 million. The rally was driven by better-than-expected Q2 earnings results released after the prior session's close.

Upstart reported Q2 revenue of $364.7 million, beating the analyst consensus estimate of approximately $351.5 million, representing 42% year-over-year growth. Adjusted EPS came in at $0.56, surpassing the $0.53 estimate by 5.66%. Adjusted EBITDA reached $76.9 million, significantly exceeding the $64.4 million market expectation. The company attributed the strong performance to continued optimization of its AI credit models, which improved differentiation between low-risk and high-risk borrowers and re-accelerated its core personal loan business.

Total loan originations for the quarter reached $4.23 billion, with average daily originations of $53.9 million, demonstrating continued platform scale expansion. Additionally, the company recently secured OCC conditional approval to establish Upstart Bank and signed a $4 billion forward-flow agreement with Castlelake, further expanding its funding capacity. Multiple analysts raised their price targets following the results.

(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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