Using AI to make credit decisi_老虎社区_美港股上老虎

2021-08-12

Using AI to make credit decisions is the way forward. They will either get acquired or grow massively

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They will either get acquired&nbsp;or grow massively&nbsp;</p></body></html>","text":"Using AI to make credit decisions is the way forward. They will either get acquired or grow massively","highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/895974648","repostId":2158428030,"repostType":4,"repost":{"id":"2158428030","kind":"highlight","pubTimestamp":1628693820,"share":"https://www.laohu8.com/m/news/2158428030?lang=&edition=full","pubTime":"2021-08-11 22:57","market":"us","language":"en","title":"Here's Why Upstart Is Soaring Today","url":"https://stock-news.laohu8.com/highlight/detail?id=2158428030","media":"Motley Fool","summary":"The company's investors just got some good news.","content":"<h2>What happened</h2>\n<p>Fintech company <b>Upstart Holdings</b> (NASDAQ:UPST), which provides an artificial intelligence-powered lending platform to help banks make smarter decisions, reported its second-quarter results Tuesday afternoon. And it would be fair to say investors are impressed with the results.</p>\n<p>As of 10 a.m. EDT Wednesday, Upstart was higher by about 25%, handily outpacing the major market averages.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/66389901c94ca1c4102b608e6a739a0a\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images.</span></p>\n<h2>So what</h2>\n<p>To put it mildly, Upstart shattered the market's expectations. The company posted revenue of $194 million for the quarter, more than <i>10 times</i> what it produced in the pandemic-stricken second quarter of 2020 and well ahead of the $158 million analysts had been looking for. And unlike many fintechs, Upstart is quite profitable. For the quarter, Upstart earned $0.62 per share, more than doubling the $0.25 expected by analysts.</p>\n<p>Going beyond the headline numbers, it's even more impressive. Upstart's bank partners originated $2.8 billion of loans on the platform, a 62% quarter-over-quarter increase.</p>\n<h2>Now what</h2>\n<p>Upstart also increased its guidance, which is likely fueling today's move just as much as the second-quarter numbers. The company now expects third-quarter revenue of $205 million to $215 million, while analysts had been expecting about $162 million.</p>\n<p>For the full year, Upstart now expects about $750 million in revenue, a significant bump from the previous guidance of $600 million. Plus, Upstart's adjusted EBITDA margin is now forecast to be about 17% as opposed to the 10% the company had previously been guiding for.</p>\n<p>The bottom line is that Upstart's second-quarter earnings was an absolute <i>blowout </i>in pretty much every possible way. The company's AI-powered lending platform is catching on quickly, and if the company can keep this momentum alive, things could get very interesting.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Here's Why Upstart Is Soaring Today</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHere's Why Upstart Is Soaring Today\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-08-11 22:57 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/08/11/heres-why-upstart-is-soaring-today/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>What happened\nFintech company Upstart Holdings (NASDAQ:UPST), which provides an artificial intelligence-powered lending platform to help banks make smarter decisions, reported its second-quarter ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/08/11/heres-why-upstart-is-soaring-today/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/08/11/heres-why-upstart-is-soaring-today/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2158428030","content_text":"What happened\nFintech company Upstart Holdings (NASDAQ:UPST), which provides an artificial intelligence-powered lending platform to help banks make smarter decisions, reported its second-quarter results Tuesday afternoon. And it would be fair to say investors are impressed with the results.\nAs of 10 a.m. EDT Wednesday, Upstart was higher by about 25%, handily outpacing the major market averages.\nImage source: Getty Images.\nSo what\nTo put it mildly, Upstart shattered the market's expectations. The company posted revenue of $194 million for the quarter, more than 10 times what it produced in the pandemic-stricken second quarter of 2020 and well ahead of the $158 million analysts had been looking for. And unlike many fintechs, Upstart is quite profitable. For the quarter, Upstart earned $0.62 per share, more than doubling the $0.25 expected by analysts.\nGoing beyond the headline numbers, it's even more impressive. Upstart's bank partners originated $2.8 billion of loans on the platform, a 62% quarter-over-quarter increase.\nNow what\nUpstart also increased its guidance, which is likely fueling today's move just as much as the second-quarter numbers. The company now expects third-quarter revenue of $205 million to $215 million, while analysts had been expecting about $162 million.\nFor the full year, Upstart now expects about $750 million in revenue, a significant bump from the previous guidance of $600 million. Plus, Upstart's adjusted EBITDA margin is now forecast to be about 17% as opposed to the 10% the company had previously been guiding for.\nThe bottom line is that Upstart's second-quarter earnings was an absolute blowout in pretty much every possible way. The company's AI-powered lending platform is catching on quickly, and if the company can keep this momentum alive, things could get very interesting.","news_type":1},"isVote":1,"tweetType":1,"viewCount":294,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":84,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/895974648"}