Upstart Holdings utilizes real-time data and artificial intelligence for credit underwriting, with over 98 million repayment events and 105,000 repayments daily. Recent adjustments led to lower conversion rates, but the model responded faster than human underwriters. Upstart is refining its tools to reduce approval volatility and expand into new loan products for steady growth.

LendingClub saw a successful third quarter in 2025, with a 37% increase in loan originations to $2.6 billion and a 32% revenue rise to $266.2 million. SoFi reported record net revenues of $961.6 million, up 38% year over year, and expanded its member base by 35% to 12.6 million, demonstrating strong growth momentum.

Upstart’s stock has declined 22% in the last six months, underperforming industry and S&P 500. Despite this, the stock is currently overvalued with a Value Score of F. While 2025 EPS estimates have increased, 2026 estimates have decreased. Upstart carries a Zacks Rank #3 (Hold) with potential for growth.

Zacks Investment Research has identified 5 stocks set to double, with expert picks showing gains of +100% or more in the coming year. Most of these stocks are under the radar, offering a unique opportunity for investors to capitalize on potential growth. Check out the full list for promising investment options.

Read more at NASDAQ: Upstart’s AI Lending: Can Its Underwriting Model Stay Ahead?