Moomoo AI 已提取核心信息
Upstart Holdings, Inc., a leading artificial intelligence lending platform, has reported a significant decrease in Transaction Volume, both in dollars and number of loans, for the year ended December 31, 2023. The company's Transaction Volume in dollars fell by 59% to $4,645,669, while the number of loans decreased by 61% to 437,659. This contraction was attributed to reduced funding availability due to macroeconomic uncertainty and increased consumer risk and cost of funds. Despite these challenges, Upstart's Contribution Margin improved to 63%, up from 49% in the previous year. However, Adjusted EBITDA turned negative at $(17,217), a decline from $37,161 in the prior year, and Adjusted Net Income also dropped to a loss of $(46,933). The company's Conversion Rate decreased to 9.7%, and the Percentage of Loans Fully Automated rose...Show More
Upstart Holdings, Inc., a leading artificial intelligence lending platform, has reported a significant decrease in Transaction Volume, both in dollars and number of loans, for the year ended December 31, 2023. The company's Transaction Volume in dollars fell by 59% to $4,645,669, while the number of loans decreased by 61% to 437,659. This contraction was attributed to reduced funding availability due to macroeconomic uncertainty and increased consumer risk and cost of funds. Despite these challenges, Upstart's Contribution Margin improved to 63%, up from 49% in the previous year. However, Adjusted EBITDA turned negative at $(17,217), a decline from $37,161 in the prior year, and Adjusted Net Income also dropped to a loss of $(46,933). The company's Conversion Rate decreased to 9.7%, and the Percentage of Loans Fully Automated rose to 87%. Upstart's business development efforts focused on improving AI models and expanding product offerings, including the launch of a HELOC product. The company also faced a challenging macroeconomic environment, leading to workforce reductions and a shift in strategy to secure committed capital arrangements to stabilize loan funding. Upstart's future plans include continued investment in AI model development, product expansion, and diversification of capital sources for its lending marketplace.
领先的人工智能贷款平台Upstart Holdings, Inc. 报告称，截至2023年12月31日的年度中，以美元和贷款数量计算的交易量均大幅下降。该公司的美元交易量下降了59％，至4,645,669美元，而贷款数量下降了61％，至437,659美元。这种收缩归因于宏观经济的不确定性导致的资金供应减少以及消费者风险和资金成本的增加。尽管面临这些挑战，Upstart的贡献利润率从去年的49％提高到63％。但是，调整后的息税折旧摊销前利润从去年的37,161美元转为负数（17,217美元），调整后净收益也降至亏损美元（46,933美元）。该公司的转化率降至9.7％，全自动贷款的百分比上升至87...展开全部
领先的人工智能贷款平台Upstart Holdings, Inc. 报告称，截至2023年12月31日的年度中，以美元和贷款数量计算的交易量均大幅下降。该公司的美元交易量下降了59％，至4,645,669美元，而贷款数量下降了61％，至437,659美元。这种收缩归因于宏观经济的不确定性导致的资金供应减少以及消费者风险和资金成本的增加。尽管面临这些挑战，Upstart的贡献利润率从去年的49％提高到63％。但是，调整后的息税折旧摊销前利润从去年的37,161美元转为负数（17,217美元），调整后净收益也降至亏损美元（46,933美元）。该公司的转化率降至9.7％，全自动贷款的百分比上升至87％。Upstart的业务开发工作侧重于改进人工智能模型和扩大产品供应，包括推出HELOC产品。该公司还面临着严峻的宏观经济环境，导致员工裁员，战略转向确保承诺的资本安排以稳定贷款资金。Upstart的未来计划包括继续投资人工智能模型开发、产品扩展以及贷款市场的资本来源多元化。
有用
没用