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Upstart: Artificial Pain

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  • Upstart Holdings, Inc. experienced a disappointing quarter, with AI model errors and analyst mistakes contributing to weak results and a significant stock decline.
  • The AI lending platform misinterpreted macroeconomic signals, reducing loan approvals and missing revenue estimates despite strong demand and industry peers performing well.
  • UPST stock now trades at a low valuation, around 4x 2026 sales and 16x 2026 EPS targets, making it attractive for value-oriented investors despite execution concerns.
  • Looking for a portfolio of ideas like this one? Members of Out Fox The Street get exclusive access to our subscriber-only portfolios. Learn More »

Despite a good market, Upstart Holdings, Inc. (UPST) had a very disappointing quarter. The AI lending platform trades at the lows as the company was both hit by an analyst error and internal mistakes. My investment thesis is Bullish on the the stock due to falling over 50% in the last few months, not necessarily because of the execution.

Read the full article on Seeking Alpha. 

Disclosure: No position mentioned. Please review the disclaimer page for more details. 








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