业务表现 - 第三季度总贷款发放额达29亿美元，同比增长80% [2] - 个人贷款发放额达27亿美元，同比增长73% [3] - 汽车贷款发放额达1.28亿美元，同比增长五倍 [3] - 房屋贷款发放额达7200万美元，同比增长四倍 [3] - 第三季度申请量超过200万份，环比增长超过30%，为三年多来最高水平 [3] 信贷质量与宏观经济 - 公司的宏观指标在7月和8月小幅上升，导致风险模型适度减少批准并提高利率，但随后回落 [4] - 管理层认为消费者信贷实力未见实质性恶化，近期甚至有改善迹象 [4] - 预计第四季度宏观指数将保持稳定，整体经济背景对信贷有利 [5][6] - 个人消费增长减速被视为信贷健康状况改善的信号，劳动力市场保持充分就业 [6] 运营效率与自动化 - 第三季度91%的贷款实现全自动化处理，无需人工干预 [6] - 房屋净值信贷额度审批流程于6月实现全自动化，自动化留置权和财产验证率在第三季度通过扩展数据输入得到提升 [7] - 房屋贷款自动批准率从6月的不足1%提升至9月的10%和10月的20% [7] - 快速的流程改进使公司有望打造行业领先的房屋净值产品 [8]

Upstart's December-quarter revenue is expected to slow more than Wall Street had been modeling. ...

Skip to content S&P 500 6,781.80 -1.18% Dow Jones 47,189.70 -0.35% Nasdaq 100 25,467.20 -2.09% Russell 2000 2,431.90 -1.83% FTSE 100 9,722.40 +0.08% Nikkei 225 51,221.20 -2.49% Stock Market Live November 4: S&P 500 (VOO) Tumbles After Palantir Report, Goldman Sachs Warning Home >Investing >Upstart Holdings Down 6% in After Hours Following Q3 Earnings Miss Investing Upstart Holdings Down 6% in After Hours Following Q3 Earnings Miss ByJoel South Nov 4, 2025 4:43 pm This post may contain links from our sponsor ...

For many businesses, Christmas and New Year are both the most wonderful and most challenging times of the year. Whether it’s a retailer ramping up stock orders, a manufacturer managing late supplier payments, or a hospitality business facing staff and supplier surges, the festive season often amplifies these peaks and troughs. At this time of year, the importance of seasonal business finance becomes starkly visible. Sales peak bringing in new revenue but often also bringing in higher costs for the busines ...

"Big Short" investor Michael Burry backed his market bubble warning with big money. Burry's hedge fund, Scion Asset Management, made massive bearish wagers using put options — contracts that profit when share prices fall — on Nvidia and Palantir Technologies, according to a regulatory filing released Monday for the quarter ending September 30.Scion disclosed a 1 million-share equivalent put on Nvidia valued at about $186.6 million, and a 5 million-share equivalent put on Palantir worth roughly $912 million ...

Key Takeaways Upstart projects Q3 revenues of $280M and adjusted net income of about $44M. Model 22 and stronger origination demand are expected to lift lending volumes.Despite revenue rebound, valuation concerns and credit risks keep UPST a hold.Upstart Holdings (UPST) is set to report its third-quarter 2025 results on Nov. 4.For the third quarter, management has guided revenues of $280 million and adjusted net income of approximately $44 million.The Zacks Consensus Estimate for quarterly revenues is pegge ...

Lending platform Pagaya Technologies on Monday announced an agreement to sell up to $500 million of its auto loans to asset-based private credit manager Castlelake. ...

Wealthfront Advisers LLC bought a new position in shares of Upstart Holdings, Inc. (NASDAQ:UPST – Free Report) during the second quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The institutional investor bought 3,821 shares of the company’s stock, valued at approximately $247,000. Get Upstart alerts: Other institutional investors and hedge funds have also recently made changes to their positions in the company. Ameritas Advisory Services LLC acqu ...

Key Takeaways Peak Credit Union and CAFCU adopted Upstart's AI platform for personal and auto lending. Upstart's Q2 revenues hit $257M with $2.8B in originations, returning to GAAP profitability. Auto and home lending rose sharply, with 92% of loans fully automated using its Model 22.A growing number of credit unions are tapping Upstart Holdings (UPST) to modernize their lending operations. In recent weeks, both Peak Credit Union and Corporate America Family Credit Union (CAFCU) joined the roster of financi ...

随着经济快速发展，民间借贷活动日益频繁，相关纠纷发生率也呈增势。10月29日，南京市高淳区人民法院召开新闻发布会，发布民间借贷纠纷审判白皮 书。2022年1月至2025年8月，该院共审理民间借贷案件3000多件，针对审理过程中发现的新趋势、新问题，该院在白皮书中给出了风险防范提示。 阳江法庭副庭长段云婷介绍，在高淳法院审理的民间借贷案件中，存在套取金融机构贷款转贷、"砍头息"导致复杂计算，刑民交叉问题时有发生等难点。 近三年数量逐年增长，今年前8月受案超千件 近三年来，民间借贷案件一直是高淳法院受理民商事案件中数量最多的案由之一，且案件数量、涉案金额从2023年逐年快速持续增长。2025年1-8月，该 院已受理民间借贷案件1039件，占同期民商事案件比例21.48%，涉案金额约为5.11亿元。 在随白皮书发布的典型案例中，就有一件"砍头息"相关案例。张某向李某借款10万元，李某通过银行转账交付款项。当日，张某向李某微信转账2000元用 于支付"第一个月的利息"。后张某未能按约还款，李某向法院起诉，要求对方返还借款本金10万元及相应利息。该院经审理认为，张某在借款当日支付的 2000元属于"砍头息"，借款本金应 ...