Company Overview - Upstart is a small-cap fintech company with a current market cap of approximately $4.5 billion, significantly below its all-time high by about 88% [2][3] - The company is projected to achieve its first billion-dollar revenue year in 2025, indicating strong growth momentum [1] Financial Performance - Upstart reported an origination volume of $2.8 billion, reflecting a 154% year-over-year increase [7] - Revenue reached $257 million, more than double the amount from the previous year [7] - The company achieved a 21% adjusted EBITDA margin and GAAP profitability for the first time in years [7] Market Potential - The U.S. personal loan market exceeds $100 billion annually, with Upstart's predictive methods for loan defaults proving more effective than traditional approaches [4] - Upstart's newer verticals, including auto loans and home loans, are experiencing significant growth, with auto loan originations increasing sixfold and home loan originations growing 67% sequentially [5] - The potential for home equity loans is substantial, given that U.S. homeowners currently hold $35 trillion in home equity, presenting a significant opportunity as interest rates decline [5] Competitive Landscape - Upstart is positioned to potentially surpass Affirm, a leader in the buy now, pay later (BNPL) space, which has a market cap of $23.5 billion, approximately five times that of Upstart [2][3] - Despite Affirm's strong performance and effective leadership, Upstart's growth opportunities in a challenging lending environment are encouraging [3]

Puma is battling upstart brands as it seeks to reestablish its power in markets like soccer. Photographer: Betty Laura Zapata/Bloomberg© 2025 Bloomberg Finance LPGerman sportswear giant Puma is set to cut 900 corporate jobs worldwide by the end of 2026, deepening a restructuring effort aimed at reviving growth after a sharp sales dip.The move expands a cost-reduction program launched March that had already eliminated 500 positions earlier this year.The latest job cuts underscore the scale of the challenges ...

Key Takeaways Peak Credit Union and CAFCU adopted Upstart's AI platform for personal and auto lending. Upstart's Q2 revenues hit $257M with $2.8B in originations, returning to GAAP profitability. Auto and home lending rose sharply, with 92% of loans fully automated using its Model 22.A growing number of credit unions are tapping Upstart Holdings (UPST) to modernize their lending operations. In recent weeks, both Peak Credit Union and Corporate America Family Credit Union (CAFCU) joined the roster of financi ...

Upstart Holdings (NASDAQ: UPST ) is an AI-driven lending platform that partners with banks, credit unions, and capital providers to create a faster loan process while approving more borrowers at similar default rates compared to traditional underwriting models. In summary, theInevitable Investor is a private investor and speculator with 13 years of investing experience. An accountant by training, my investing style leans towards quality-orientation, rather than a pure growth investing, or value investing ap ...

Upstart Holdings (NASDAQ: UPST ) is an AI-driven lending platform that partners with banks, credit unions, and capital providers to create a faster loan process while approving more borrowers at similar default rates compared to traditional underwriting models. In summary, theInevitable Investor is a private investor and speculator with 13 years of investing experience. An accountant by training, my investing style leans towards quality-orientation, rather than a pure growth investing, or value investing ap ...

Key Points Upstart is approving more loans as interest rates decline. Nu’s growth is cooling off and its near-term expenses are rising. Both companies are well-managed, but one stock has more room to run. 10 stocks we like better than Upstart › Upstart Holdings (NASDAQ: UPST) and Nu Holdings (NYSE: NU) are both innovative fintech companies that are shaking up traditional financial institutions. Upstart uses AI to analyze non-traditional data points (like GPAs, standardized test scores, and previo ...

Key Takeaways StoneCo posted 27% higher net income and 22% ROE despite Brazil's challenging macro backdrop.Upstart's revenues jumped 102% as its AI-powered lending model drove a return to profitability.Valuation favors StoneCo, trading at a lower P/S multiple and outperforming UPST over three months.Fintech stocks have always captured investor imagination with their blend of technology innovation and financial disruption. Two names in the space, StoneCo (STNE) and Upstart (UPST) , are carving distinct paths ...

In this articleCOLBBKUMisha Zaitzeff and Vik Ghei, founders of HoldCo Asset Management, at their Fort Lauderdale, Florida, offices.Courtesy: HoldCoAmerican banks have found an unlikely pair of adversaries in Vik Ghei and Misha Zaitzeff.Since July, the nine-person hedge fund they run from Fort Lauderdale, Florida, called HoldCo, has challenged lenders with over $200 billion in combined assets, demanding that they take swift action or face public campaigns to overthrow their boards and fire their CEOs.The fun ...

Company Performance - Upstart Holdings, Inc. closed at $52.69, reflecting a +1.13% change from the previous day, outperforming the S&P 500's gain of 0.79% [1] - The company's shares have decreased by 8.48% over the last month, underperforming the Finance sector's loss of 2.01% and the S&P 500's gain of 1.27% [1] Upcoming Earnings - The earnings report for Upstart Holdings, Inc. is scheduled for November 4, 2025, with an anticipated EPS of $0.42, representing an 800% increase compared to the same quarter last year [2] - Revenue is expected to reach $281.02 million, marking a 73.32% increase from the prior-year quarter [2] Fiscal Year Projections - For the entire fiscal year, earnings are projected at $1.66 per share and revenue at $963.44 million, indicating increases of +930% and +51.36% respectively from the previous year [3] - Recent adjustments to analyst estimates are important as they reflect near-term business trends, with positive revisions indicating a favorable business outlook [3] Valuation Metrics - Upstart Holdings, Inc. has a Forward P/E ratio of 31.34, which is significantly higher than the industry average of 11.95, indicating that the company is trading at a premium [6] - The Financial - Miscellaneous Services industry, to which Upstart belongs, has a Zacks Industry Rank of 76, placing it in the top 31% of over 250 industries [6] Zacks Rank System - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), currently rates Upstart Holdings, Inc. as 3 (Hold) [5] - The Zacks Rank has a proven track record, with 1 stocks delivering an average annual return of +25% since 1988 [5]

It’s a special Friday. My Toronto Blue Jays host game one of the World Series in Toronto tonight against Shohei Ohtani and the Los Angeles Dodgers. It’s the Jays' first appearance in the World Series in 32 years. More News from Barchart I can’t wait for the game to begin. It’s been a magical season for Major League Baseball’s only Canadian team. Go Jays. Make Canada proud! Now on to the business at hand. In Thursday’s options trading, the volume was 57.83 million, slightly higher than the average dail ...