pine tree
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@paulxgu Stock back to $26 today. Ask yourself why UPST is one of the worst performing Fintechs in the last 12 months and of all-time.
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BREAKING: USF Credit Union Partners with $UPST Upstart for AI-Powered LendingUSF Credit Union has selected Upstart $UPST to power its personal lending services using AI-driven underwriting technology.Key Highlights:Partnership launched in March 2026
USF manages over $1.4 billion in assets and serves 80,000+ members
Borrowers access loans via Upstart’s online marketplace with a fully USF-branded digital experience
Over 90% of Upstart platform loans are fully automated
Deal aims to expand access to credit while preserving member-focused service
#UPST #Upstart #USFCreditUnion #AILending #Fintech #BREAKING
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@EVIp4UDS3aYWEUF 난 진짜 이해가 안가는데.. 1분기 EPS가 마이너스가 될걸 알면서도 데이브는 왜 인생의기회라고 허풍을 떤걸까? 주가가 폭락할걸 알고 있으면서 왜 자꾸 사기를 치는걸까?
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$UPST @Upstart
Q2 2025 -18.7%
BS loans surged to $1.02B (+26%), operating cash flow turned negative
"We have a goal to transition most of the funding for these products off our balance sheet by the end of 2025, though deal timing is always hard to predict." — Dave Girouard
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$UPST @Upstart
Q1 2025 -9.65%
Contribution Margin collapsed from 61% to 55%
"Diversifying into super prime loans has such value to us that taking down our contribution margin back toward where it was in our earlier days is actually a very good thing." — Dave Girouard

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The traditional model for determining someone's creditworthiness doesn't paint the full picture.
As @paulxgu quipped on the @AmerBanker podcast:
"It actually helps your FICO score if you just open up tons of credit cards and don't use them. If you were advising your friend on leading a good financial life, you would never in a million years think to say, 'Hey, the best thing you can do is go open up 10 new credit cards right now and just keep them in your wallet.' That would be crazy."

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HOLY!!! MUST BE BEST DAY EVER FOR $UPST TP REVIEWS??? 64!!
If this continues and macro stabilizes we are setting up for A MASSIVE Q2 beat
Great job by @parthpat87
@HenryInvests

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@Veganhippo21 @davegirouard 주가는 계속 떨어지고 있어. 망할. 미스터 마켓씨도 이제 데이브를 안믿어. 데이브의 허풍이라는걸.. 데이브의 쇼라는걸.. 도대체 몇번째 허풍이야.
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@davegirouard BDE move, at my peak I did not have more vs you bought in open market.
5,000,000 is nice!
As you know, for years, this was something that I was looking for.
As you built something that can better all humans and give chance to many, I am excited. $UPST
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@baowei0964 Let’s hope the new CEO turns it around….. a lot of ppl are hurting.
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That’s one of my worst investments, I bought $UPST at $64 per share. Because of the expectation of interest rate cut, I once thought that finance stocks would take off, but they all plunged. $CHYM $SOFI
Stock Father@TheStockFather5
$UPST From pessimist to optimistic here’s my opinion. 1.Not a buy right now there are soo many better names atm 2.Growth is more important. EPS will follow after becoming a bank 3. CEO and chairman are bullish 3-5 years out not right now 4. Expect more loans on balance sheet.
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