If You'd Invested $1,000 in Upstart (UPST) 3 Years Ago, Here's How Much You'd Have Today

Core Insights - Upstart is an innovator in the financial services industry with an AI-powered lending platform that enhances creditworthiness assessment, leading to increased approval rates and controlled default risks [1] - The stock has shown significant volatility but has started to regain investor confidence, with a notable increase in value over the past three years [2][4] Performance Overview - Since July 31, 2022, Upstart's stock has surged by 250%, transforming a $1,000 investment into $3,500, despite currently trading 78% below its peak established in October 2021 [4] - The company has demonstrated meaningful financial improvements, with a 102% year-over-year increase in transaction volume and a 67% revenue gain in Q1 2025 [5] Market Valuation - Upstart shares are currently trading at a price-to-sales ratio of 10.9, indicating growing market optimism, but this high valuation introduces potential downside risk if the company fails to meet earnings expectations [7]