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 ...

Upstart Holdings (NASDAQ: UPST ) is an AI-driven lending platform that partners with banks, credit unions, and capital providers to create a faster loan process while approving more borrowers at similar default rates compared to traditional underwriting models. In summary, theInevitable Investor is a private investor and speculator with 13 years of investing experience. An accountant by training, my investing style leans towards quality-orientation, rather than a pure growth investing, or value investing ap ...

公司业务模式 - 公司是一家由人工智能驱动的贷款平台，与银行、信用社和资本提供方合作[1] - 其业务模式旨在创建更快的贷款流程，并在与传统承销模式相似的违约率下批准更多借款人[1] 作者背景与投资风格 - 文章作者为拥有13年投资经验的私人投资者和投机者，具备会计专业背景[1] - 其投资风格偏向于质量导向，而非纯粹的增长投资或价值投资方法[1] - 作者在行业选择上保持中立，专注于研究具有差异化潜力的股票，这些潜力可能源于独特的品牌、严谨的管理、专业技术或强大的商业模式[1] - 文章将重点覆盖市场定价中蕴含了过度乐观或过度悲观预期的股票[1]

Key Takeaways OppFi is set to report Q3 results on Oct. 29, with revenues expected to rise 11.7% y/y.Earnings are projected to dip 6.1% despite strong past surprises and steady analyst estimates.AI-led lending, high approval rates and robust liquidity continue to bolster OppFi's performance.OppFi Inc. (OPFI) will report third-quarter 2025 results on Oct. 29, before market open.The Zacks Consensus Estimate for revenues in the to-be-reported quarter is set at $152.6 million, suggesting 11.7% growth from the y ...

公司股息状况 - Blackstone Secured Lending目前提供其有记录以来的最高股息收益率[1] - 但股息覆盖率非常紧张[1] - 随着美联储计划降息50至75个基点 股息削减的阴影笼罩[1] 投资策略 - 股票市场是一个强大的机制 长期来看每日价格波动会累积成巨大的财富创造或毁灭[1] - Pacifica Yield旨在追求长期财富创造 重点关注被低估的高增长公司 高股息股票 REITs和绿色能源公司[1]

I earlier covered technology-driven Chinese lending businesses like Finvolution ( FINV ) and QFIN Holdings ( QFIN ). What stood out for these businesses was their business model, which uses AI for inclusion of borrowers thatI am a value focused investor, conducting fundamental research on sectors like but not limited to chemicals, homebuilders, building materials, industrials and metals & mining. I prefer to invest in stocks which are cheaply available and have a catalyst in the near future. My investment h ...

With the stock market looking frothy, I continue to encourage investors to look outside the Magnificent 7 (or for that matter, investing in the S&P 500 as a whole because it's so dominated by the top tech stocks), and to diversify by allocating moreWith combined experience of covering technology companies on Wall Street and working in Silicon Valley, and serving as an outside adviser to several seed-round startups, Gary Alexander has exposure to many of the themes shaping the industry today. He has been a r ...

With the stock market looking frothy, I continue to encourage investors to look outside the Magnificent 7 (or for that matter, investing in the S&P 500 as a whole because it's so dominated by the top tech stocks), and to diversify by allocating moreWith combined experience of covering technology companies on Wall Street and working in Silicon Valley, and serving as an outside adviser to several seed-round startups, Gary Alexander has exposure to many of the themes shaping the industry today. He has been a r ...

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