Positive context积极背景
Stocks股票 / UPST
$30.97
+$1.87 · +6.43%
52w low52周低 $23.24high高 $76.08
Lagging — relative weakness落后 — 相对弱势
Confirmed cycle low — the entry window is open now, with a clear exit if it closes back below 26.6.周期低点已确认——入场窗口现已开启，若收盘重新跌破 26.6 则明确离场。
Live实时
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 ↗
Loading chart…图表加载中…
The interactive chart could not load here.互动图表暂时无法在此加载。
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 · 2026-08-14
Momentum (RSI 14)动量（RSI 14）
55
Neutral zone中性区域
vs 50-day average相对50日均线
+0.1% above上方
Uptrend intact趋势完好
vs 200-day average相对200日均线
-11.8% below下方
Long trend down长期向下
Volatility波动率
13th percentile第13百分位
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
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%
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 — #16 of 49 themes「支付与金融科技」主题 — 49 个主题中第 16 位
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
NEARING A HIGH → NEARING A LOW接近高点 → 接近低点
Options positioning期权持仓
as of last close截至上一收盘Market makers are net long gamma — price pinned near current level做市商净持有正伽玛，价格倾向于在当前水平附近震荡
Expected daily move预期日波动
±4.01%
Expected weekly move预期周波动
±8.96%
Gamma flip伽玛翻转位
$29
25d risk reversal25d风险逆转
5.8%
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: greed偏斜：贪婪
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 | New position新建仓 | 0.1% | 2026-03-31 |
Signal history信号历史
engine events引擎事件
NEARING A LOW → BUY ZONE接近低点 → 买入区
BUY. New daily cycle, day 11: swing low in, price back above the 10-day average, daily momentum positive — and the weekly timeframe agrees买入。新的日线周期，第 11 天：摆动低点已现，价格重新站上 10 日均线，日线动量为正——且周线周期也一致确认
Aug 12, 2026
NEARING A HIGH → NEARING A LOW接近高点 → 接近低点
GET READY准备
Aug 12, 2026
UPST broke down vs the marketUPST 相对市场走弱
Relative strength vs SPY crossed below the 10th percentile of the last 90 days — weakness often leads price. $29.10.相对标普500的强弱下穿近90日的第10百分位 — 走弱常先于价格。$29.10。
Aug 5, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Aug 4, 2026
UPST daily MACD crossed upUPST 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $30.32.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$30.32。
Jul 31, 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. $27.44.StochRSI重回20上方 — 下行动量趋缓的最早预警。$27.44。
Jul 30, 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
Jul 29, 2026
UNCONFIRMED TURN → DOWNTREND未确认转向 → 下跌趋势
AVOID回避
Jul 29, 2026
UPST printed a daily-cycle lowUPST 打出日线周期低点
A confirmed local low — in this cycle framework the highest-odds long-entry window. $26.60.一个已确认的局部低点 — 在本周期框架中做多胜率最高的入场窗口。$26.60。
Jul 27, 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
Showing the last 15 of显示最近15条，共 163 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）
70/100 — stronger than most强于多数
vs market, 6 months相对大盘（6个月）
37/100 — 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
#249 / 262
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 | +4.2% | +1.2% |
| 1 Month近1月 | -2.4% | +3.5% |
| 3 Months近3月 | +4.9% | +5.2% |
| 6 Months近6月 | +0.9% | +14.4% |
| Year to date年初至今 | -32.4% | +14.2% |
| 1 Year近1年 | -53.7% | +21.6% |
Trading information交易信息
Volatility rank波动率分位
13th pctile
EPS (trailing)每股收益
$0.55
Off 52-week high距52周高点
-58.0%
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）
55
RSI (2-day)RSI（2日）
77
vs 20-day average相对20日均线
+7.1%
vs 50-day average相对50日均线
+0.1%
vs 200-day average相对200日均线
-11.8%
Golden cross (50>200)金叉（50>200）
not in effect未生效
MACDMACD
above signal位于信号线上方
Timeframe alignment多周期共振
Daily日线
momentum up动能向上
3-day3日线
momentum up — fresh upturn动能向上——刚刚转强
Weekly周线
momentum up动能向上
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
27/100
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。
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
$33
Put wall看跌期权墙
$28
Gamma flip伽玛翻转位
$29
Upside magnet上方磁吸位
$35
Downside magnet下方磁吸位
$30
Net dealer gamma做市商净伽玛
+$0.0B
Distance to flip距翻转位
+5.3%
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
+5.8%
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 | New position新建仓 | 0.1% | $22M |
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
1 : 0
Quarterly trend季度趋势
{'direction': 'distributing', 'n_quarters': 11, 'holders_first': 2, 'holders_last': 1, 'holders_delta': -1, 'value_change_pct': -55.4, 'from_period': '2023-09-30', 'to_period': '2026-03-31', 'available_on': '2026-05-16', 'available_on_first': '2023-11-14', 'holders_series': [2, 1, 1, 1, 1, 1, 1, 1, 1, 0, 1]}{'direction': 'distributing', 'n_quarters': 11, 'holders_first': 2, 'holders_last': 1, 'holders_delta': -1, 'value_change_pct': -55.4, 'from_period': '2023-09-30', 'to_period': '2026-03-31', 'available_on': '2026-05-16', 'available_on_first': '2023-11-14', 'holders_series': [2, 1, 1, 1, 1, 1, 1, 1, 1, 0, 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
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。