Positive context积极背景
Stocks股票 / Financials / UPST
$23.14
+$0.11 · +0.48%
52w low52周低 $22.34high高 $57.35
Avoid — downtrend回避 — 下行趋势
Downtrend — stand aside until a new cycle low forms and confirms.下跌趋势——观望，直至新的周期低点形成并确认。
As of 2026-09-30截至 2026-09-30
Company intelligence公司情报
The latest call, in context把最新财报放回历史脉络
A synthesized event record across management commentary and recorded metrics. Read as context; verify exact wording in the transcript before relying.综合管理层表述与记录指标形成事件档案。仅供参考；使用前请在电话会原文中核对准确措辞。
Live company record实时公司记录
JavaScript loads the source-bounded event record here. Open Terminal if the live module does not start.JavaScript 会在此加载受来源约束的事件记录。如实时模块未启动，请打开终端。
Continue with full transcript history继续查看完整电话会历史 ↗Pressure context压力背景
History mode历史模式
Context only仅供参考 · not a signal or recommendation不构成信号或建议
Narrative claims may await line-level citation; verify in the transcript.叙述性内容可能仍待逐行引用，请在电话会原文中核对。
Price chart价格图表
daily · interactive日线 · 可交互
Open in Terminal打开终端 ↗
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Open the live chart in Terminal在终端中打开实时图表 ↗
Candles, volume and moving averages — pan and zoom inside the chart.蜡烛图、成交量与均线 — 图内可缩放拖动。
MMastermind Terminal — live & interactiveMastermind 终端 — 实时互动 ↗
Technicals技术面
daily bars日线数据 · 2026-09-30
Momentum (RSI 14)动量（RSI 14）
32
Depressed偏低
vs 50-day average相对50日均线
-16.8% below下方
Below trend跌破趋势
vs 200-day average相对200日均线
-29.1% below下方
Long trend down长期向下
Volatility波动率
5th percentile第5百分位
These readings feed the stance at the top — one source per number, refreshed nightly.以上读数构成页首的引擎立场 — 每个数字只有一个来源，每晚更新。
Earnings财务业绩
next report下次财报 2026-11-0335
Mixed — beat 1 of last 4 quarters表现不稳 — 近 4 季中 1 季超预期
EPS surprise vs consensus, last quarters每股收益相对预期的超预期幅度（近几个季度） · average平均 -13.2%
Financials财务数据
fiscal years财年
Net margin净利率
5.1%
FCF margin自由现金流利润率
-14.2%
Return on equity股本回报率 7%
Clean稳健
Capital allocation资本配置
Share count change (1y)股数变化（1年）+4.9%
Debt coming due到期债务
SEC filingsSEC 文件Debt schedule not loaded yet.到期债务尚未加载。
This panel is still catching up to the SEC filings for this listing. Check back soon — nothing is being estimated in its place.本面板仍在同步该证券的 SEC 文件，请稍后再查看；此处不作任何估算替代。
A cash-flow scenario is unavailable until the filing inputs are verified.报告数据核实前，现金流情景暂不可用。
Capital-need coverage is not available for this issuer yet.该发行人的资本需求覆盖信息暂不可用。
Reported facts remain separate from the cash-flow scenario until identity and filing provenance are confirmed.在确认身份与报告来源之前，已披露事实与现金流情景保持分离。
Research context only — reported figures from SEC filings, not a rating, a signal or investment advice.仅供研究参考 — 数据摘自 SEC 文件披露口径，不构成评级、信号或投资建议。
Why is it moving为何波动
6 checks · nightly六项检查 · 每晚
Sector / Theme行业/主题
Payments & Fintech theme — #33 of 49 themes「支付与金融科技」主题 — 49 个主题中第 33 位
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
UPST made a new 52-week lowUPST 创52周新低
Options positioning期权持仓
as of last close截至上一收盘Market makers are net short gamma — price moves may amplify做市商净持有负伽玛，价格波动可能被放大
Expected daily move预期日波动
±3.73%
Expected weekly move预期周波动
±8.34%
Gamma flip伽玛翻转位
$25
25d risk reversal25d风险逆转
-2.4%
Flow:资金流向： $2M premium traded; 0% 0DTE; 32 fresh positions; P/C 0.32; ~leans bullish (direction approx)成交权利金 $2M；0DTE占0%；32个新建仓；看跌看涨比 0.32；≈偏看涨（方向近似）
Skew: balanced偏斜：balanced
Call and put walls are plotted on the Trade levels ladder →看涨/看跌期权墙已标注在「交易点位」阶梯上 →
Ownership & smart money持仓与聪明钱
13FInsider activity:内部人动向： +$4.6M net (2 buyers, 4 sellers)+$4.6M 净值（2 买家，4 卖家）
Concentrated ownership集中持仓
| Fund基金 | Grade评级 | Latest move最新动作 | % of book组合占比 | As of截至 |
|---|---|---|---|---|
| Coatue Management | A | Holding持有 | 0.1% | 2026-06-30 |
Signal history信号历史
engine events引擎事件
UNCONFIRMED TURN → DOWNTREND未确认转向 → 下跌趋势
AVOID. Failed cycle — price broke below the low that started this cycle, which historically means the larger trend is rolling over (~80% of cases)回避。失败周期——价格跌破了启动本周期的低点，历史上这通常意味着更大的趋势正在掉头向下（约 80% 的情形）
Sep 25, 2026
UPST made a new 52-week lowUPST 创52周新低
Price reached a fresh 52-week low — a momentum / trend extreme the whole market watches. $23.81.价格创出52周新低 — 全市场关注的动量/趋势极值。$23.81。
Sep 21, 2026
DOWNTREND → UNCONFIRMED TURN下跌趋势 → 未确认转向
HIGH-RISK · NIMBLE ONLY高风险 · 仅限灵活操作
Sep 21, 2026
UPST StochRSI turned up from oversoldUPST StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $25.58.StochRSI重回20上方 — 下行动量趋缓的最早预警。$25.58。
Sep 18, 2026
UPST weekly MACD crossed downUPST 周线MACD下穿
The weekly MACD histogram turned negative — the slower, less-whippy momentum read.周线MACD柱状图转负 — 更慢、更少来回的动量信号。
Sep 15, 2026
UPST StochRSI turned up from oversoldUPST StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $25.28.StochRSI重回20上方 — 下行动量趋缓的最早预警。$25.28。
Sep 9, 2026
NEARING A LOW → DOWNTREND接近低点 → 下跌趋势
AVOID回避
Sep 8, 2026
BOTTOMING → NEARING A LOW筑底中 → 接近低点
GET READY准备
Sep 3, 2026
UPST StochRSI turned up from oversoldUPST StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $28.52.StochRSI重回20上方 — 下行动量趋缓的最早预警。$28.52。
Showing the last 15 of显示最近15条，共 472 signals条信号
Company profile公司档案
The whole US universe — S&P 1500 and Russell 2000 — read nightly.覆盖标普1500与罗素2000全部成分股 — 每晚更新解读。
Signals, options positioning, smart-money moves and factor DNA — the same engine that wrote this page covers 2,700+ US stocks.信号、期权持仓、聪明钱动向与因子基因 — 撰写本页的引擎覆盖2700多只美股。
Statistics — full detail统计数据 — 完整明细
Relative strength相对强度
vs market, 1 month相对大盘（1个月）
3/100 — weaker than most弱于多数
vs market, 3 months相对大盘（3个月）
5/100 — weaker than most弱于多数
vs market, 6 months相对大盘（6个月）
36/100 — middle of the pack居中
vs market, 12 months相对大盘（12个月）
3/100 — weaker than most弱于多数
Rank in sector行业内排名
#254 / 261
0–100 percentile of total return vs all covered stocks.总回报在全部覆盖股票中的百分位（0–100）。
Price history价格历史
| Period周期 | This stock本股 | S&P 500标普500 |
|---|---|---|
| 1 Week近1周 | -10.9% | -1.2% |
| 1 Month近1月 | -20.4% | -0.4% |
| 3 Months近3月 | -35.3% | +2.7% |
| 6 Months近6月 | -9.5% | +17.1% |
| Year to date年初至今 | -49.5% | +12.7% |
| 1 Year近1年 | -56.1% | +16.4% |
| 3 Years近3年 | -18.9% | +85.4% |
| 5 Years近5年 | -92.7% | +90.4% |
Trading information交易信息
Volatility rank波动率分位
5th pctile
EPS (trailing)每股收益
$0.55
Off 52-week high距52周高点
-56.2%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Financials — full detail财务数据 — 完整明细
Latest fiscal year最近财年
Revenue (FY)营业收入（财年）
$1.0B
Net income净利润
$54M
Operating cash flow经营现金流
$-148M
Total assets总资产
$3.0B
Shareholder equity股东权益
$799M
Shares outstanding总股本
0.10B
Returns & growth回报与增长
Return on equity股本回报率
6.7%
Return on assets资产回报率
1.8%
Asset growth资产增速
+25.7%
Accounting quality checks会计质量检查
- Earnings quality: accruals near the peer median盈利质量：应计利润接近同业中位
- Capital discipline: investment near the peer median资本纪律：投资力度接近同业中位
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Technicals — full detail技术面 — 完整明细
Indicator readings指标读数
RSI (14-day)RSI（14日）
32
RSI (2-day)RSI（2日）
18
vs 20-day average相对20日均线
-9.7%
vs 50-day average相对50日均线
-16.8%
vs 200-day average相对200日均线
-29.1%
Golden cross (50>200)金叉（50>200）
not in effect未生效
MACDMACD
below signal位于信号线下方
Timeframe alignment多周期共振
Daily日线
momentum down动能向下
3-day3日线
momentum down动能向下
Weekly周线
momentum down — fresh downturn动能向下——刚刚转弱
Monthly月线
momentum down动能向下
When daily through monthly point the same way, moves carry further.当日线到月线方向一致时，行情往往更有延续性。
Volatility regime波动状态
Range width percentile波幅宽度分位
46/100
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Earnings — full detail财务业绩 — 完整明细
Surprise history超预期历史
| Quarter季度 | Reported实际 | Expected预期 | Surprise超预期 |
|---|---|---|---|
| Jun 2026 | $0.18 | $0.30 | -40.0% |
| Mar 2026 | $-0.07 | $0.20 | -135.0% |
| Dec 2025 | $0.17 | $0.17 | 0.0% |
| Sep 2025 | $0.20 | $0.09 | +122.2% |
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Options — full detail期权持仓 — 完整明细
Dealer positioning map做市商持仓地图
Call wall看涨期权墙
$24
Put wall看跌期权墙
$22
Gamma flip伽玛翻转位
$25
Upside magnet上方磁吸位
$25
Downside magnet下方磁吸位
$23
Net dealer gamma做市商净伽玛
+$0.0B
Distance to flip距翻转位
-8.5%
Walls and magnets are strikes with heavy open interest — price often slows or gravitates there.期权墙与磁吸位是未平仓集中的行权价 — 价格常在附近减速或被吸引。
Volatility pricing波动率定价
Implied volatility (30d)隐含波动率（30天）
1%
25-delta risk reversal25-delta风险逆转
-2.4%
Call-put IV spread看涨-看跌IV价差
+0.0pp
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Ownership — full detail持仓 — 完整明细
Tracked funds holding it跟踪基金持仓
| Fund基金 | Grade评级 | Latest move最新动作 | % of book组合占比 | Position市值 |
|---|---|---|---|---|
| Coatue Management | A | Holding持有 | 0.1% | $31M |
Fund positioning基金持仓概览
Tracked funds in the name持有该股的跟踪基金
1
Buying vs selling买入vs卖出
0 : 0
Quarterly trend季度趋势
{'direction': 'distributing', 'n_quarters': 12, 'holders_first': 2, 'holders_last': 1, 'holders_delta': -1, 'value_change_pct': -38.3, 'from_period': '2023-09-30', 'to_period': '2026-06-30', 'available_on': '2026-08-15', 'available_on_first': '2023-11-14', 'holders_series': [2, 1, 1, 1, 1, 1, 1, 1, 1, 0, 1, 1]}{'direction': 'distributing', 'n_quarters': 12, 'holders_first': 2, 'holders_last': 1, 'holders_delta': -1, 'value_change_pct': -38.3, 'from_period': '2023-09-30', 'to_period': '2026-06-30', 'available_on': '2026-08-15', 'available_on_first': '2023-11-14', 'holders_series': [2, 1, 1, 1, 1, 1, 1, 1, 1, 0, 1, 1]}
Insiders & shorts内部人与空头
Insider net buying (6 months)内部人净买入（6个月）
+$4.6M
Insider buyers vs sellers内部人买家vs卖家
2 : 4
Recent fund flows近期基金流向
First Trust Nasdaq AI & RoboticsFirst Trust Nasdaq AI & Robotics
trimming减持
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Seasonality — full detail季节性 — 完整明细
Strongest month最强月份
May · 80%
Weakest month最弱月份
Sep · 17%
Month by month逐月统计
| Month月份 | Closed higher收涨占比 | Median move中位涨跌 | Years年数 |
|---|---|---|---|
| Jan1月 | 40% | -8.9% | 5 |
| Feb2月 | 60% | +6.9% | 5 |
| Mar3月 | 20% | -12.1% | 5 |
| Apr4月 | 40% | -12.6% | 5 |
| May5月 | 80% | +8.5% | 5 |
| Jun6月 | 60% | +6.7% | 5 |
| Jul7月 | 50% | +19.3% | 6 |
| Aug8月 | 67% | +13.1% | 6 |
| Sep9月 | 17% | -11.4% | 6 |
| Oct10月 | 60% | +3.9% | 5 |
| Nov11月 | 40% | -3.0% | 5 |
| Dec12月 | 20% | -20.7% | 5 |
History is a tendency, not a promise — small samples wobble.历史规律只是倾向而非保证 — 样本少时波动大。
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。