"Upstart's revenue rose 31% year-over-year to $296 million, beating estimates by 9%. Loan originations surged 86% to 455,788 transactions, with 91% fully automated."
"In 2025, we grew originations 86% and revenues 64% while growing headcount just 18%. That kind of operating leverage is exactly what growth investors want to see."
"Upstart guided for approximately $1.4 billion in total revenue in 2026 with a roughly 21% adjusted EBITDA margin."
Upstart Holdings and Affirm Holdings experienced significant stock price increases, indicating a potential recovery in the fintech lending sector. Both companies have faced substantial declines in 2026, but today's rally suggests a broader reassessment of growth stocks. Upstart's strong fundamentals, driven by AI-driven lending models, led to a 31% revenue increase in Q4 2025. The company reported a GAAP net income of $53.6 million, a turnaround from a previous loss. Leadership changes at Upstart also contribute to positive investor sentiment.
Read at 24/7 Wall St.
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