A recent business update from Upstart was interpreted as a warning. The information ultimately verifies the value of its new type of credit-scoring algorithm.
A 100-fold gain in 25 years implies a 20% annualized growth rate, double the S&P 500's historical average. Investors are encouraged by the company's latest growth and profitability trends.
Upstart's loan book, while larger than normal, is a high-quality asset, in my opinion, with net charge-offs and delinquencies improving substantially YoY in Q3 at similar macro conditions. Despite Upstart's model overreacting to macro signals, its Q3 financial performance highlights its ability to operate profitably in tightening macro conditions. Forecasts of high Q4 2025 GDP growth, declining...
SoFi's growth has been superb, but now it's starting to generate rapidly rising profits. Upstart's AI lending model is providing a winning solution for its lending partners.
Online banking is the new norm for the industry, and one name was built from the ground up to serve this new aspect of the market. PayPal shares have reflected deep investor pessimism since 2022.
We've spent a lot of oxygen lately on how great 2025 was for stocks. That's not very contrarian of us. Luckily, Senior Quantitative Analyst Rocky White has provided contrarians with the perfect table to start out 2026 with.
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