Upstart Holdings, Inc. (NASDAQ: UPST ) is at the intersection of two exciting fields. One is fintech and the other is AI. The combination of these two technologies promises strong growth and Upstart is positioning itself to be aPlease consider following my new X/Twitter account for reaction to market developments and news.I'm a full-time investor with a strong focus on the tech sector. I graduated with a Bachelor of Commerce Degree with Distinction, major in Finance. I'm also a proud lifetime member of the ...

Core Insights - Upstart Holdings, Inc. (UPST) has experienced a significant rebound driven by investor optimism regarding its AI-driven lending platform and strategic execution [1] - The company is disrupting traditional credit models by utilizing machine learning for enhanced consumer loan underwriting [1] Valuation Concerns - Upstart currently has a Value Score of F, indicating potential overvaluation, with a forward 12-month Price/Sales ratio of 5.23, which is above the industry average of 3.86 [2] - This valuation premium has led to increased caution among investors, raising questions about the justification for the stock's recent surge [2] Technological Advancements - Upstart is reshaping credit underwriting with its proprietary AI model that incorporates education, employment, and financial behavior, moving beyond traditional FICO scores [3] - In Q1 2025, 92% of loans on its platform were fully automated, resulting in improved efficiency and borrower satisfaction, with conversion rates increasing from 14% to 19% year over year [3][9] Diversification Efforts - The company is diversifying into new verticals such as auto loans, HELOCs, and small-dollar credit, with some segments showing robust growth [4] - Partnerships with credit unions, like All In Credit Union, demonstrate Upstart's appeal in traditional finance [4] - The focus on super-prime borrowers, now constituting 32% of originations, aids in securing low-cost funding and managing credit risk effectively [4] Challenges Faced - Elevated interest rates and a decline in contribution margins are significant challenges for the company [5] - The increasing super-prime borrower mix, while enhancing credit quality, leads to lower take rates due to heightened competition [5] - Margins in newer products like HELOC and auto lending are expected to mature over time, with initial take rates being modest due to early-stage scaling [5] - Macroeconomic uncertainty and trade tensions further complicate the company's outlook [5] Market Performance - Upstart's shares have risen by 37.8% quarter to date, outperforming both the broader industry and the S&P 500 Index [12] - The full-year 2025 consensus EPS estimate has been slightly revised downward, while the 2026 estimate has been adjusted upward [13]

Nvidia supplies the best data center chips for artificial intelligence (AI) development, and with a market capitalization of $3.6 trillion, it's now one of the largest companies in the world. There is still room for its stock to move higher, but investors who already own it might be looking for other AI names with growth potential.C3.ai (AI -1.70%) developed a portfolio of over 130 ready-made applications to help businesses accelerate their adoption of AI. Upstart Holdings (UPST 0.13%), on the other hand, c ...

Core Insights - Upstart Holdings, Inc. (UPST) has achieved a 40.1% gain in the current quarter, outperforming the Zacks Financial – Miscellaneous Services industry's 18.7% increase, establishing itself as a standout performer compared to peers like LendingClub and Enova International [1][7]. Business Model and Growth - Upstart is transforming consumer lending through artificial intelligence, replacing traditional FICO scores with a more predictive model that considers factors such as education and employment history [2][4]. - In Q1 2025, 92% of loans on Upstart's platform were fully automated, showcasing high efficiency and borrower experience [4]. - The company has expanded its offerings beyond personal loans into auto refinancing, HELOCs, and small-dollar loans, with auto loan originations increasing by 42% sequentially and HELOCs rising by 52% [5]. Market Position and Strategy - Upstart's focus on super-prime borrowers, now constituting 32% of originations, helps reduce credit risk and enhances access to low-cost funding [6]. - The marketplace model diversifies funding sources, with over 50% of loan volume backed by committed capital [6]. Technological Innovation - Upstart's AI innovation, including the integration of advanced machine-learning methods, enhances credit evaluations by detecting nuanced behavioral patterns among borrowers [7][8]. - The company plans to launch its first machine-learning model for loan servicing to improve operational efficiency and reduce default rates [9]. Financial Performance and Valuation - Recent estimate revisions show mixed trends, with the full-year 2025 EPS consensus slightly down and 2026 estimates adjusted upward [11]. - Upstart shares are currently trading at a forward 12-month Price/Sales (P/S) ratio of 5.24X, above the industry average of 3.85X, indicating a premium valuation compared to major fintech rivals [13]. Long-term Outlook - Despite short-term macro risks, Upstart's unique technology, expanding loan mix, and improving profitability position it as a compelling long-term investment in the fintech sector [14].

Fintech stock Upstart Holdings Inc (NASDAQ:UPST) is breaking above its June closing highs, as well as its 200-day moving average and year-to-date anchored volume-weighted average price (AVWAP). Earlier this week, the shares bounced near peak put open interest at the 50-strike, and are now breaking above the $55 pivot point from a November earnings gap. This area acted as support in January, then resistance in March and May, and could be a key area moving forward. The 65-strike call dissipates next week, whi ...

In the latest trading session, Upstart Holdings, Inc. (UPST) closed at $63.35, marking a +1.46% move from the previous day. This move outpaced the S&P 500's daily gain of 0.8%. On the other hand, the Dow registered a gain of 0.94%, and the technology-centric Nasdaq increased by 0.97%. Heading into today, shares of the company had gained 32.82% over the past month, outpacing the Finance sector's gain of 2.69% and the S&P 500's gain of 5.12%.Analysts and investors alike will be keeping a close eye on the perf ...

Today's high-octane AI stocks could be some of the worst performers over the next year, based on the forecasts of select analysts. Nothing has garnered more attention on Wall Street since late 2022 than the rise of artificial intelligence (AI). Empowering software and systems with the tools to make split-second decisions without the need for human oversight is a game-changer that can benefit most industries around the globe. While most Wall Street analysts share the belief that AI can positively transform c ...

Upstart Holdings, Inc. (UPST) closed the most recent trading day at $58.01, moving -1.81% from the previous trading session. The stock fell short of the S&P 500, which registered a loss of 0.22% for the day. Meanwhile, the Dow experienced a rise of 0.08%, and the technology-dominated Nasdaq saw a decrease of 0.51%. Prior to today's trading, shares of the company had gained 29.48% outpaced the Finance sector's loss of 1.59% and the S&P 500's gain of 0.45%.The upcoming earnings release of Upstart Holdings, In ...

Nuclear power is on the brink of a renaissance, and Oklo is one of the industry's emerging rock stars.If you're looking for a super-charged growth stock with an AI angle, there's a nuclear option to consider. I'm talking about Oklo (OKLO -6.56%), a next-generation nuclear power company on a mission to reboot atomic energy for the age of artificial intelligence.Established in 2013 by MIT alums Jacob DeWitte (now chief executive officer) and Caroline Cochran (now chief operating officer), Oklo went public in ...

The stock market has probably shaken out some investors with its recent swings in the S&P 500 index. This new volatility period has been born of President Trump's implemented trade tariffs on most of the United States' trading partners. As clear as these swings are, the effects of this uncertainty on the technology sector, specifically, have left most investors confused and worried about where their capital could be best invested moving forward. Upstart TodayUPSTUpstart$53.51 -1.07 (-1.95%) 52-Week Range$2 ...