AI TechnologyUpstart is leveraging AI across its business to dynamically improve its underwriting model, helping lower loss rates while offering consumers better APRs.
Financial PerformanceThere is high confidence that Upstart will achieve positive GAAP earnings, which could attract investors.
Loan AutomationWith 92% of Upstart's loans fully automated, prime borrowers can borrow faster and cheaper at larger average loan sizes, which should result in persistent improvement.