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1. 標的：UPST.US      (例 2330.TW 台積電)

2. 分類：討論

3. 分析/正文：

Upstart Non-GAAP EPS of -$0.24 misses by $0.16, revenue of $157.23M misses by
$12.21M

-Upstart press release (NASDAQ:UPST): Q3 Non-GAAP EPS of -$0.24 misses by
 $0.16.

-Revenue of $157.23M (-31.0% Y/Y) misses by $12.21M.

-Transaction Volume and Conversion Rate. Bank partners originated 188,519
 loans, totaling $1.9 billion, across our platform in the third quarter, down
 48% from the same quarter of the prior year.

-Conversion on rate requests was 10% in the third quarter of 2022, down from
 23% in the same quarter of the prior year.

-For the fourth quarter of 2022, Upstart expects:

 -Revenue of approximately $125 to $145 million vs. $185.32M consensus
  -Revenue from fees of approximately $160 million
  -Net interest income of approximately ($25) million

 -Contribution Margin of approximately 54%
 -Net Income of approximately ($87) million
 -Adjusted Net Income of approximately ($40) million
 -Adjusted EBITDA of approximately ($35) million

很久沒關注了.剛好看到就貼一下.
沒想到上次很慘以後這季更慘.不過升息之下沒人借錢也挺合理的.

4. 進退場機制：(非長期投資者，必須有停損機制。討論、心得類免填)


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