Key Takeaways UPST stock is up 40.1% QTD, outpacing peers and its industry's 18.7% advance. AI-led automation, loan diversification, and super-prime focus are boosting performance. UPST trades at a premium valuation with macro risks and mixed earnings estimate trends.Upstart Holdings, Inc. (UPST) has delivered a strong gain of 40.1% so far in the quarter, significantly outperforming the Zacks Financial – Miscellaneous Services industry’s 18.7% appreciation. In contrast to peers, such as LendingClub (LC) a ...

股价走势 - Upstart Holdings Inc (NASDAQ:UPST) 股价突破6月收盘高点、200日均线以及年初至今的锚定成交量加权平均价格(AVWAP) [1] - 股价从50美元行权价附近的看跌期权持仓峰值反弹 并突破11月财报缺口形成的55美元关键点位 该点位在1月充当支撑位 3月和5月转为阻力位 [1] 期权与做空情况 - 65美元行权价的看涨期权将于下周到期 可能为7月进一步上涨打开空间 [2] - 公司流通股中超过25%被做空 过去一个月空头开始回补 可能持续面临轧空压力 [2] - 期权波动率指数(SVI)处于年度范围的10%分位 期权溢价相对便宜 [2] 杠杆效应 - 推荐的看涨期权杠杆比率为3.7倍 标的股票上涨29.1%时期权价值将翻倍 [3]

In the latest trading session, Upstart Holdings, Inc. (UPST) closed at $63.35, marking a +1.46% move from the previous day. This move outpaced the S&P 500's daily gain of 0.8%. On the other hand, the Dow registered a gain of 0.94%, and the technology-centric Nasdaq increased by 0.97%. Heading into today, shares of the company had gained 32.82% over the past month, outpacing the Finance sector's gain of 2.69% and the S&P 500's gain of 5.12%.Analysts and investors alike will be keeping a close eye on the perf ...

Upstart Holdings, Inc. (UPST) closed the most recent trading day at $58.01, moving -1.81% from the previous trading session. The stock fell short of the S&P 500, which registered a loss of 0.22% for the day. Meanwhile, the Dow experienced a rise of 0.08%, and the technology-dominated Nasdaq saw a decrease of 0.51%. Prior to today's trading, shares of the company had gained 29.48% outpaced the Finance sector's loss of 1.59% and the S&P 500's gain of 0.45%.The upcoming earnings release of Upstart Holdings, In ...

Nuclear power is on the brink of a renaissance, and Oklo is one of the industry's emerging rock stars.If you're looking for a super-charged growth stock with an AI angle, there's a nuclear option to consider. I'm talking about Oklo (OKLO -6.56%), a next-generation nuclear power company on a mission to reboot atomic energy for the age of artificial intelligence.Established in 2013 by MIT alums Jacob DeWitte (now chief executive officer) and Caroline Cochran (now chief operating officer), Oklo went public in ...

The stock market has probably shaken out some investors with its recent swings in the S&P 500 index. This new volatility period has been born of President Trump's implemented trade tariffs on most of the United States' trading partners. As clear as these swings are, the effects of this uncertainty on the technology sector, specifically, have left most investors confused and worried about where their capital could be best invested moving forward. Upstart TodayUPSTUpstart$53.51 -1.07 (-1.95%) 52-Week Range$2 ...

纪要涉及的公司 Upstart (UPST) 纪要提到的核心观点和论据 1. **公司业务概述** - 公司是消费者信贷平台 2014 年成立 连接借款人和资金来源 核心是风险建模技术 包括信贷承销和欺诈建模 [5] - 愿景是通过现代技术改进预测模型和信贷 提高审批率并降低 APR [6] 2. **近期业务情况** - **宏观环境与违约趋势**：2021 年违约率比疫情前低 40% 2022 - 2023 年违约率上升至比疫情前高 60% 2024 年稳定 2025 年降至比疫情前高 40% - 50% [10][11][12] - **业务表现**：违约风险上升时 行业贷款发放量下降 公司处于前沿 发放量收缩约两年 违约趋势稳定后 公司发放量增长 近两三个季度重回增长轨道 预计今年剩余时间持续增长 [14][17] - **市场波动影响**：市场波动对借款人还款或违约行为无影响 但可能给资金来源带来挑战 [19][25] 3. **资金来源** - 市场不确定时 利差扩大 ABS 市场难操作 资金来源稀缺 公司过去几年与更有韧性的交易对手达成交易 建立能经受周期考验的结构 [26] - 这些交易对手有更持久的 LP 基础和资金来源 有双向合同承诺和应对机制 但尚未经过测试 [27] 4. **技术与模型优势** - **宏观环境应对**：模型不预测宏观事件 而是更具反应性 公司收集大量替代数据 能精确快速检测和反应宏观变化 相比 2021 年 模型反应更快更精确 [29][31][32] - **自动化优势**：自动化率达 92% 可降低风险和摩擦 对高风险借款人可降低价格 对优质借款人可提供即时流程 提高竞争力 [35][37] - **理论极限**：自动化理论极限为 1 - 欺诈率 目前欺诈率为 30 个基点 仍有提升空间 [42][46] 5. **业务结构调整** - 公司向优质借款人市场转移 3 月优质贷款发放量同比增长 125% 占总发放量 32% 这并非目标 而是与银行和信用社合作降低目标回报的结果 [55][58] - 公司希望业务结构能代表美国市场 优质和非优质借款人各占一半 [59] 6. **行业监管与银行角色** - 银行因监管审查和资本约束 减少直接贷款业务 若要银行重新参与直接贷款 需放松监管和资本约束 但这有优缺点 [66] - 银行可考虑成为金融家而非直接贷款人 [67] 7. **业务创新** - 公司考虑探索循环信贷和购房抵押贷款领域 循环信贷可建立更紧密客户关系 目前产品多为交易性 [69][71] 8. **学生贷款影响** - 约 35% 借款人有学生贷款债务 其中 2% - 3% 处于逾期状态 目前该群体表现与对照组无差异 [74] - 模型会快速反应该群体变化 预测宏观事件风险大 公司倾向快速反应而非提前定价 [77][80] 9. **业务恢复条件** - 若宏观环境稳定 违约指数维持在 1.5 公司可通过模型改进每年 2% - 3% 的速度 一两年内恢复到 2022 年发放量水平 [85] - 若宏观违约风险下降 公司业务将更快恢复 [86] 其他重要但是可能被忽略的内容 - 会议提醒讨论可能包含前瞻性陈述 实际结果可能与陈述有重大差异 需参考公司向 SEC 的文件和 IR 网站获取更多信息 [2] - 会议禁止拍照和使用录音设备 有问题可联系摩根士丹利代表 [3]

ARCX and UPSX offer 2X Daily Exposure to two captivating growth storiesNEW YORK, June 10, 2025 /PRNewswire/ -- Tradr ETFs, a provider of ETFs designed for sophisticated investors and professional traders, today announced the launch of two new single stock leveraged ETFs, the Tradr 2X Long ACHR Daily ETF (Cboe: ARCX) and the Tradr 2X Long UPST Daily ETF (Cboe: UPSX). The funds aim to deliver twice (200%) the daily performance of the common stocks of Archer Aviation (NYSE: ACHR) and Upstart Holdings (Nasdaq: ...

Upstart Holdings, Inc. (NASDAQ:UPST) Bank of America Global Technology Conference June 3, 2025 1:40 AM ET Company Participants Sanjay Datta - CFO Paul Gu - Chief Technology Officer Conference Call Participants Mihir Bhatia - Bank of America Mihir Bhatia [Call Started Abruptly] is the Upstart session. So welcome to the Upstart session. I'm Mihir Bhatia. I cover consumer finance and payment companies here at Bank of America Research. For tech investors, you can vote -- also vote in the consumer finance or the ...

Upstart (UPST) 2025 Conference June 03, 2025 01:40 PM ET Speaker0 Thank you. Thank you everyone for joining. This is the upstart session, so welcome to the upstart session. I'm Mihir Bhatia. I cover consumer finance and payment companies here at Bank of America Research. For your tech investors, you can work also vote in the consumer finance or the payments categories in II, so please vote for us. Before we get started, I do have to read some of these disclosures. So today's discussion may contain forward l ...