FwF

@HenryInvests @Dickson6113 Don’t have to guess too much? Take rates of different loans also varies

@Dickson6113 8.5% take rate yields $292.6M then you'd have to add in an assumption for NII which they've guided for to be $100M this year.

We now know that Upstart's $UPST 1Q26 total originations were $3,443M and the first month of 2Q26 was $1,274M. More importantly, originations per day are growing - a sign of efficiency when you smooth out some of the volatility of weekends and holidays. Note that April has one less day than March. Assuming April had the extra day, originations (based on the per day posted) would be $1,322M marking 4.7% MoM growth. The biggest question remains how much of this origination growth will translate to revenue? In other words, how much is Upstart dialing back the take rate to permeate the market. We'll find out tomorrow!

Upstart $UPST April Originations come in at $1,274M, up 51% YoY

@superdupermanom @macro_guru info.upstart.com/paul-gu-ep-74

@macro_guru Thiel Fellow-Pädigree, did I miss something ?

$UPST looks primed to shock next week New leadership + Thiel Fellow pedigree + execution track record = rerating brewing Market still stuck valuing it like a $30+ stock.. while setup points toward $100+ Growth re-accelerating, margins improving AI lending tailwinds kicking in

@HenryInvests Im so glad we can keep this founder energy going for another CEO stint. Upstart is already leading the charge of AI in lending. Continued innovation will just mantain and expand that lead.

@Veganhippo21 @davegirouard welcome back 💪🏽

Tbh, glad you made upstart, and I hope that it turns into something that’s gonna be good for the people. Esp ones that are discriminated and just destroyed by FICO! Looking at the person, without bias as a whole and giving them a loan based on this would be amazing, and just right way to bank for many things. I get interest must be higher etc, but to give opportunity to all is very cool. As an immigrant and person that has 850 FICO and had collections been on both ends, I must say @Upstart how you started it, has a special kind place in my heart. Hope to see car volume pickup, I been talking to texas dealers they love the product! Good vibes

Ask away!

@goddreng10 Hope we can see in 2026

Matter of time before $UPST hits a $100

@AnnBerry_NYC @HenryInvests @davegirouard @brewmarkets @Upstart @zhangtaoSG

Today is @davegirouard’s last as $UPST CEO - tomorrow he is Executive Chair! So it’s incredibly gracious of Dave to spend some time talking to me today for @brewmarkets about the latest at @Upstart and what’s next for him. What would you ask?

$UPST $SOFI LendingClub completely wiped out all gains from earnings beat from up 13% after hours to -0.67% today. Good luck Upstart and Sofi on earnings 😂

@StockZombie222 Meme stock is based on a crazy mood and irrationality $UPST can prove itself as a rapidly growing company with strong fundamentals. When the time comes, we pray that the market starts to notice it, regret, and get FOMO.

Paul Gu at "Manifest 2024 fireside chat" (an event celebrating predictions, markets, & mechanisms). He was asked about Upstart almost becoming a meme stock back in 2021 when the stock hit $400. Gu: "We never got to like GameStop status...it was a thing, now it's not a thing."

$UPST 🚀🌕

Great company in line $UPST 🫡

@HarryKay_ How many shares do you have

A company firing on all cylinders for one of the cheapest valuations I've ever seen $UPST

@RonAMacro @paulxgu Agree with you

This is why UPST is different from every other AI story. Most tech companies are at the beginning of the AI cost curve right now. Expensive infrastructure. Expensive engineers. Productivity payoff still years away. Upstart already paid that price. Over 13 years. 104 million repayment events. 2,500 variables. 30 proprietary models built from scratch. That bill in my view is settled. Now every AI improvement goes straight to better credit decisions, higher approvals, and lower rates for borrowers. No more heavy lifting. Just compounding returns on a decade of investment. Most companies are where Upstart was in 2012. Upstart is where most companies hope to be in 2035. Agree?

Pretty clear AI is going to increase cost for most tech companies before it decreases them

@paulxgu @Upstart A big step!

Best first day ever for a new product @Upstart. Probably should've launched this years ago, but the next best time was today!

Today we’re excited to officially launch Cash Line, Upstart’s next step toward always-on credit for every American. Cash Line is a revolving line of credit designed to give consumers reliable, ongoing access to money when they need it most - with transparency, flexibility, and simplicity at its core. With Cash Line, you get: 👉 A credit limit that only goes up, never down 👉 A minimum of $200 once approved 👉 Instant deposits at no extra cost Download the Upstart iOS app to access Cash Line today: apple.co/3QmE19h

March originations just dropped for $UPST. $1,263M. Up 17% from February. Up 60% year over year. Let that sink in for a second. Iran war. Oil above $100. Private credit headlines everywhere. Blue Owl redemptions. Nasdaq swinging wildly. And Upstart just posted its strongest monthly origination number in recent memory. The bears said private credit stress would strangle the platform. March just answered that directly with a number that beat most estimates by nearly $110M. Q1 is now fully visible. January, February, March all reported. The quarter tracked right around $3.6B in total originations. Revenue tracking at or above analyst consensus heading into May 5. This is the same company trading at a PEG of 0.31. The same company whose outgoing CEO called it the opportunity of a lifetime in February. The same company whose incoming CEO spent $4M of his own money buying stock at $39. The same company that bought back $100M of its own stock at $31.31 just weeks ago and still has $122M of authorization remaining. The business didn’t slow down through the noise. It accelerated. The buyback was done at $31. Paul Gu bought at $39. The stock is at $25ish. The business is outperforming. The stock hasn’t figured that out yet. May 5 earnings. 32 days away. Long 5,250 at 25.54 and will add further. Not financial advice. Do your own research.

🚀 😤

@boon2168 @Tai_Chen_Hsiang @boon2168 good morning bro If UPST stay at 136/2=68 ending year I will already thank God 🤣

@Tai_Chen_Hsiang 1.36= 136 end of this year 💪

$UPST

We’re proud to introduce the next evolution of the Upstart brand. This refresh reflects more than a new design system. It reflects a renewed commitment to our mission: radically reducing the cost and complexity of borrowing for all Americans.
 From our visual identity to the way we express our products and purpose, every part of the new brand is designed to make borrowing more supportive, more human, and more empowering. Because borrowing isn’t just about cash—it’s about money for the moments that matter.