Upstart Holdings

UPST

Market cap $4.87B

In the latest trading session, Upstart Holdings, Inc. (UPST) closed at $51.07, marking a +1.35% move from the previous day.

PYPL's diversified growth and AI partnerships give it an edge over UPST's high-risk, high-reward lending surge in the 2025 fintech race.

ELGIN, Ill. & SAN MATEO, Calif.--(BUSINESS WIRE)--Corporate America Family Credit Union Selects Upstart for Personal Loans, HELOCs and Auto Refinance Loans.

Upstart (UPST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.

Anybody who buys a particular stock obviously does so with the expectation that it will gain in value. No level-headed investor genuinely expects a normal-sized trade to become life-changing, though.

Because it carries a small market cap of $5 billion, Upstart (UPST -6.99%) might not get a lot of attention from the investment community. However, the business is working on expanding access to credit to more borrowers, a noble mission.

Upstart Holdings is undervalued after a sharp selloff triggered by an analyst error on delinquency rates. UPST's fundamentals remain strong, with improving financials, committed capital, and a business model now profitable at lower revenue levels. The stock trades at attractive valuations—~5x 2025 sales and 20x forward earnings—offering a compelling entry point.

SoFi Technologies stands out as a diversified digital bank with strong revenue growth, profitability, and a robust customer ecosystem. SoFi Technologies' valuation is historically high, reflecting much of its recent success, but long-term investors may find it compelling to start a position and DCA. Upstart Holdings offers high growth potential with its AI-driven lending platform but remains volatile and highly dependent on macroeconomic conditions.

Fintech stock investors have been asking me if I like SoFi Technologies (SOFI 2.32%) or Upstart (UPST 1.13%) at the current market prices.

The money industry looks very different today than it did just a few years ago. As has been the case for so many other kinds of businesses, technology has made this one more convenient, and therefore more marketable.