UPST Stock: Why Upstart Is Soaring 10% Today
UPST Stock: Why Upstart Is Soaring 10% Today
One of the best-performing stocks in recent months is Upstart (NASDAQ:UPST). Over the past two months, UPST stock has nearly tripled, making this one of the best momentum stocks in the market of late.
近幾個月來表現最好的股票之一是暴發户(納斯達克：UPST)。過去兩個月，UPST股價上漲近兩倍，使其成為近期市場動能最好的個股之一。
Source: shutterstock
消息來源：Shutterstock
Why all the momentum?
為什麼會有這麼大的勢頭？
Well, Upstart’s business model has been intriguing many hypergrowth investors. The company utilizes big data and machine-learning capabilities to improve upon the current credit score system. By taking into consideration a number of factors outside of what credit scoring agencies use, Upstart is able to provide more loans to borrowers. For banks, at a time when lending volumes are down, this is a big deal.
嗯，Upstart的商業模式一直吸引着許多高速增長的投資者。該公司利用大數據和機器學習能力來改進目前的信用評分系統。通過考慮信用評級機構使用之外的一些因素，Upstart能夠向借款人提供更多貸款。對於銀行來説，在貸款量下降之際，這是一件大事。
Additionally, Upstart is able to more effectively pinpoint the actual default risk associated with borrowers. Accordingly, lenders are able to be more aggressive with the rates they offer. This is better for consumers, better for lenders and better for investors in UPST. Indeed, as a company that takes a slice out of every transaction, this company stands to benefit as volumes across its platform increase.
此外，Upstart能夠更有效地確定與借款人相關的實際違約風險。因此，貸款人能夠在他們提供的利率上更加激進。這對消費者、貸款人和UPST的投資者都有好處。事實上，作為一家從每筆交易中分得一杯羹的公司，隨着其平台交易量的增加，這家公司將受益。
Today, there’s some rather bullish news on this front taking UPST stock higher. Let’s dive into what investors are focusing in on today.
今天，在這方面有一些相當利多的消息，推動UPST股價走高。讓我們一起來看看投資者今天關注的是什麼。
Another Partnership Powering UPST Stock Higher
另一個合作伙伴推動UPST股價走高
Today, WSFS Bank, the subsidiary of WSFS Financial (NASDAQ:WSFS), announced that it would be launching a personal loans product powered by Upstart.
今天,WSFS銀行，其附屬公司WSFS金融(納斯達克：WSFS)宣佈將推出一款由Upstart支持的個人貸款產品。
This partnership is just the latest in a string of deals between lenders looking to boost their volumes and improve their rates, and Upstart. Accordingly, investors seem to be factoring in rather impressive growth as a result of this deal. As more partnerships are announced, investors expect to see margins and cash flows increase for Upstart. After all, this is a high-margin product with excellent operating leverage that’s only starting to get traction now.
這一合作只是尋求增加交易量和提高利率的銀行與Upstart之間一系列交易中的最新一筆。因此，投資者似乎考慮到了這筆交易帶來的相當令人印象深刻的增長。隨着更多合作伙伴的宣佈，投資者預計Upstart的利潤率和現金流將會增加。畢竟，這是一種高利潤率的產品，擁有出色的運營槓桿，現在才剛剛開始受到追捧。
WSFS has noted that Upstart brings the potential for digital-friendly customer experiences as well as a more diverse customer base. Both parties seem excited by this deal, and rightfully so. Should Upstart continue to impress its core clientele and build a substantial book of business, the sky could be the limit for this company. At least, investors hope so.
WSFS指出，Upstart帶來了數字友好的客户體驗以及更多樣化的客户基礎的潛力。雙方似乎都對這筆交易感到興奮，這是理所當然的。如果Upstart繼續給其核心客户留下深刻印象，並建立起一本可觀的業務賬簿，那麼這家公司的前景可能是無窮無盡的。至少，投資者希望如此。
On the date of publication, Chris MacDonald did not have (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the InvestorPlace.com Publishing Guidelines.
在本文發表之日，克里斯·麥克唐納(Chris MacDonald)沒有(直接或間接)持有本文提到的證券的任何頭寸。本文表達的觀點是作者的觀點，以InvestorPlace.com為準出版指南.
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譯文內容由第三人軟體翻譯。