Is Upstart the Growth Stock for You?_老虎社区_美港股上老虎

Is Upstart the Growth Stock for You?

Motley Fool2021-04-15

A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others...

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Seowting
·2021-04-15
[微笑]
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- Seowting:
  [害羞]
  2021-04-15
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CPDM
·2021-04-15
Informative
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CPDM
·2021-04-15
Informative
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nujnay
·2021-04-15
nice
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CA_SH
·2021-04-15
Good read
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CA_SH
·2021-04-15
Good read
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DesmondChin
·2021-04-15
If only you know what it was.....
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Tofufu
·2021-04-15
To the moon
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Some are merely trying to take advantage of the hype surrounding the digital economy, but others...</p>\n\n<a href=\"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/\">网页链接</a>\n\n</div>\n","source":"fool_stock","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Upstart the Growth Stock for You?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Upstart the Growth Stock for You?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-15 16:48 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others...</p>\n\n<a href=\"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"UPST","symbol_name":"Upstart Holdings, Inc.","start_time":0,"source_url":"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/","article_id":"2127986073","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2127986073","pubTimestamp":1618476505,"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"This AI-enhanced personal lender is jump-starting its entry into the auto lending market.","collect":0,"end_time":0,"defaultTopTitle":"fool.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"translate_title":"新贵是你的成长股吗？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"UPST":0.9},"content_text":"A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. Upstart (NASDAQ:UPST) is one of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.\nThe latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.\nIncredible 2020 numbers for AI-based lending\nUpstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as one level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.\nImage source: Getty Images.\nUpstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.\n\n\n\nMetric\n2020\n2019\nChange\n\n\n\n\nRevenue\n$229 million\n$160 million\n43%\n\n\nNet income (loss)\n$5.98 million\n($466,000)\nN/A\n\n\nAdjusted EBITDA\n$31.5 million\n$5.60 million\n463%\n\n\n\nData source: Upstart.\nIt's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.\nIt's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.\nSky-high potential for a reasonable price\nGiven the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.\nGranted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company Social Capital Hedosophia V (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.","kind":null,"is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":347846796,"gmtCreate":1618489004615,"gmtModify":1631891849915,"author":{"id":"3560384764055664","authorId":"3560384764055664","name":"Seowting","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":6,"crmLevelSwitch":0,"authorIdStr":"3560384764055664","idStr":"3560384764055664"},"htmlText":"[微笑]&nbsp;","listText":"[微笑]&nbsp;","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/347846796","repostId":2127986073,"repostType":4,"repost":{"id":"2127986073","pubTimestamp":1618476505,"share":"https://www.laohu8.com/m/news/2127986073?lang=&edition=full","pubTime":"2021-04-15 16:48","market":"us","language":"en","title":"Is Upstart the Growth Stock for You?","url":"https://stock-news.laohu8.com/highlight/detail?id=2127986073","media":"Motley Fool","summary":"This AI-enhanced personal lender is jump-starting its entry into the auto lending market.","content":"<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. <b>Upstart </b>(NASDAQ:UPST) is <a href=\"https://laohu8.com/S/AONE\">one</a> of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.</p>\n<p>The latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.</p>\n<h2><a href=\"https://laohu8.com/S/RDR.SI\">Incredible</a> 2020 numbers for AI-based lending</h2>\n<p>Upstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as <a href=\"https://laohu8.com/S/AONE.U\">one</a> level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7a24c235c2483938fc60bf2a3d628c2b\" tg-width=\"700\" tg-height=\"527\"><span>Image source: Getty Images.</span></p>\n<p>Upstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.</p>\n<table>\n <thead>\n  <tr>\n   <th><p><b>Metric</b></p></th>\n   <th><p><b>2020</b></p></th>\n   <th><p><b>2019</b></p></th>\n   <th><p><b>Change</b></p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td><p>Revenue</p></td>\n   <td><p>$229 million</p></td>\n   <td><p>$160 million</p></td>\n   <td><p>43%</p></td>\n  </tr>\n  <tr>\n   <td><p>Net income (loss)</p></td>\n   <td><p>$5.98 million</p></td>\n   <td><p>($466,000)</p></td>\n   <td><p>N/A</p></td>\n  </tr>\n  <tr>\n   <td><p>Adjusted EBITDA</p></td>\n   <td><p>$31.5 million</p></td>\n   <td><p>$5.60 million</p></td>\n   <td><p>463%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Data source: Upstart.</p>\n<p>It's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.</p>\n<p>It's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.</p>\n<h2>Sky-high potential for a reasonable price</h2>\n<p>Given the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.</p>\n<p>Granted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company <b>Social Capital Hedosophia V</b> (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Upstart the Growth Stock for You?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Upstart the Growth Stock for You?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-15 16:48 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others...</p>\n\n<a href=\"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2127986073","content_text":"A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. Upstart (NASDAQ:UPST) is one of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.\nThe latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.\nIncredible 2020 numbers for AI-based lending\nUpstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as one level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.\nImage source: Getty Images.\nUpstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.\n\n\n\nMetric\n2020\n2019\nChange\n\n\n\n\nRevenue\n$229 million\n$160 million\n43%\n\n\nNet income (loss)\n$5.98 million\n($466,000)\nN/A\n\n\nAdjusted EBITDA\n$31.5 million\n$5.60 million\n463%\n\n\n\nData source: Upstart.\nIt's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.\nIt's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.\nSky-high potential for a reasonable price\nGiven the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.\nGranted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company Social Capital Hedosophia V (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":4043636,"gmtCreate":1618489017061,"gmtModify":1631891849912,"authorId":3560384764055664,"author":{"id":3560384764055664,"idStr":"3560384764055664","authorId":3560384764055664,"name":"Seowting","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":6,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":347846796,"type":1,"supId":0,"prevId":0,"content":"[害羞]","text":"[害羞]","html":"[害羞]"}],"langContent":"CN"},{"id":347802121,"gmtCreate":1618480371963,"gmtModify":1634292654553,"author":{"id":"3581571482923664","authorId":"3581571482923664","name":"CPDM","avatar":"https://static.tigerbbs.com/e541c4adbfb4c7e670bc7b0f0385f8ac","vip":1,"crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"3581571482923664","idStr":"3581571482923664"},"htmlText":"Informative","listText":"Informative","text":"Informative","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/347802121","repostId":2127986073,"repostType":4,"repost":{"id":"2127986073","pubTimestamp":1618476505,"share":"https://www.laohu8.com/m/news/2127986073?lang=&edition=full","pubTime":"2021-04-15 16:48","market":"us","language":"en","title":"Is Upstart the Growth Stock for You?","url":"https://stock-news.laohu8.com/highlight/detail?id=2127986073","media":"Motley Fool","summary":"This AI-enhanced personal lender is jump-starting its entry into the auto lending market.","content":"<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. <b>Upstart </b>(NASDAQ:UPST) is <a href=\"https://laohu8.com/S/AONE\">one</a> of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.</p>\n<p>The latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.</p>\n<h2><a href=\"https://laohu8.com/S/RDR.SI\">Incredible</a> 2020 numbers for AI-based lending</h2>\n<p>Upstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as <a href=\"https://laohu8.com/S/AONE.U\">one</a> level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7a24c235c2483938fc60bf2a3d628c2b\" tg-width=\"700\" tg-height=\"527\"><span>Image source: Getty Images.</span></p>\n<p>Upstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.</p>\n<table>\n <thead>\n  <tr>\n   <th><p><b>Metric</b></p></th>\n   <th><p><b>2020</b></p></th>\n   <th><p><b>2019</b></p></th>\n   <th><p><b>Change</b></p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td><p>Revenue</p></td>\n   <td><p>$229 million</p></td>\n   <td><p>$160 million</p></td>\n   <td><p>43%</p></td>\n  </tr>\n  <tr>\n   <td><p>Net income (loss)</p></td>\n   <td><p>$5.98 million</p></td>\n   <td><p>($466,000)</p></td>\n   <td><p>N/A</p></td>\n  </tr>\n  <tr>\n   <td><p>Adjusted EBITDA</p></td>\n   <td><p>$31.5 million</p></td>\n   <td><p>$5.60 million</p></td>\n   <td><p>463%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Data source: Upstart.</p>\n<p>It's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.</p>\n<p>It's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.</p>\n<h2>Sky-high potential for a reasonable price</h2>\n<p>Given the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.</p>\n<p>Granted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company <b>Social Capital Hedosophia V</b> (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Upstart the Growth Stock for You?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Upstart the Growth Stock for You?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-15 16:48 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others...</p>\n\n<a href=\"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2127986073","content_text":"A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. Upstart (NASDAQ:UPST) is one of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.\nThe latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.\nIncredible 2020 numbers for AI-based lending\nUpstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as one level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.\nImage source: Getty Images.\nUpstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.\n\n\n\nMetric\n2020\n2019\nChange\n\n\n\n\nRevenue\n$229 million\n$160 million\n43%\n\n\nNet income (loss)\n$5.98 million\n($466,000)\nN/A\n\n\nAdjusted EBITDA\n$31.5 million\n$5.60 million\n463%\n\n\n\nData source: Upstart.\nIt's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.\nIt's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.\nSky-high potential for a reasonable price\nGiven the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.\nGranted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company Social Capital Hedosophia V (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":347806401,"gmtCreate":1618480274303,"gmtModify":1634292654671,"author":{"id":"3581571482923664","authorId":"3581571482923664","name":"CPDM","avatar":"https://static.tigerbbs.com/e541c4adbfb4c7e670bc7b0f0385f8ac","vip":1,"crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"3581571482923664","idStr":"3581571482923664"},"htmlText":"Informative","listText":"Informative","text":"Informative","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/347806401","repostId":2127986073,"repostType":4,"repost":{"id":"2127986073","pubTimestamp":1618476505,"share":"https://www.laohu8.com/m/news/2127986073?lang=&edition=full","pubTime":"2021-04-15 16:48","market":"us","language":"en","title":"Is Upstart the Growth Stock for You?","url":"https://stock-news.laohu8.com/highlight/detail?id=2127986073","media":"Motley Fool","summary":"This AI-enhanced personal lender is jump-starting its entry into the auto lending market.","content":"<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. <b>Upstart </b>(NASDAQ:UPST) is <a href=\"https://laohu8.com/S/AONE\">one</a> of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.</p>\n<p>The latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.</p>\n<h2><a href=\"https://laohu8.com/S/RDR.SI\">Incredible</a> 2020 numbers for AI-based lending</h2>\n<p>Upstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as <a href=\"https://laohu8.com/S/AONE.U\">one</a> level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7a24c235c2483938fc60bf2a3d628c2b\" tg-width=\"700\" tg-height=\"527\"><span>Image source: Getty Images.</span></p>\n<p>Upstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.</p>\n<table>\n <thead>\n  <tr>\n   <th><p><b>Metric</b></p></th>\n   <th><p><b>2020</b></p></th>\n   <th><p><b>2019</b></p></th>\n   <th><p><b>Change</b></p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td><p>Revenue</p></td>\n   <td><p>$229 million</p></td>\n   <td><p>$160 million</p></td>\n   <td><p>43%</p></td>\n  </tr>\n  <tr>\n   <td><p>Net income (loss)</p></td>\n   <td><p>$5.98 million</p></td>\n   <td><p>($466,000)</p></td>\n   <td><p>N/A</p></td>\n  </tr>\n  <tr>\n   <td><p>Adjusted EBITDA</p></td>\n   <td><p>$31.5 million</p></td>\n   <td><p>$5.60 million</p></td>\n   <td><p>463%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Data source: Upstart.</p>\n<p>It's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.</p>\n<p>It's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.</p>\n<h2>Sky-high potential for a reasonable price</h2>\n<p>Given the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.</p>\n<p>Granted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company <b>Social Capital Hedosophia V</b> (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Upstart the Growth Stock for You?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Upstart the Growth Stock for You?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-15 16:48 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others...</p>\n\n<a href=\"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2127986073","content_text":"A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. Upstart (NASDAQ:UPST) is one of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.\nThe latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.\nIncredible 2020 numbers for AI-based lending\nUpstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as one level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.\nImage source: Getty Images.\nUpstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.\n\n\n\nMetric\n2020\n2019\nChange\n\n\n\n\nRevenue\n$229 million\n$160 million\n43%\n\n\nNet income (loss)\n$5.98 million\n($466,000)\nN/A\n\n\nAdjusted EBITDA\n$31.5 million\n$5.60 million\n463%\n\n\n\nData source: Upstart.\nIt's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.\nIt's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.\nSky-high potential for a reasonable price\nGiven the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.\nGranted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company Social Capital Hedosophia V (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":347171634,"gmtCreate":1618479157328,"gmtModify":1634292661045,"author":{"id":"3562385137512604","authorId":"3562385137512604","name":"nujnay","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3562385137512604","idStr":"3562385137512604"},"htmlText":"nice","listText":"nice","text":"nice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/347171634","repostId":2127986073,"repostType":4,"repost":{"id":"2127986073","pubTimestamp":1618476505,"share":"https://www.laohu8.com/m/news/2127986073?lang=&edition=full","pubTime":"2021-04-15 16:48","market":"us","language":"en","title":"Is Upstart the Growth Stock for You?","url":"https://stock-news.laohu8.com/highlight/detail?id=2127986073","media":"Motley Fool","summary":"This AI-enhanced personal lender is jump-starting its entry into the auto lending market.","content":"<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. <b>Upstart </b>(NASDAQ:UPST) is <a href=\"https://laohu8.com/S/AONE\">one</a> of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.</p>\n<p>The latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.</p>\n<h2><a href=\"https://laohu8.com/S/RDR.SI\">Incredible</a> 2020 numbers for AI-based lending</h2>\n<p>Upstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as <a href=\"https://laohu8.com/S/AONE.U\">one</a> level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7a24c235c2483938fc60bf2a3d628c2b\" tg-width=\"700\" tg-height=\"527\"><span>Image source: Getty Images.</span></p>\n<p>Upstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.</p>\n<table>\n <thead>\n  <tr>\n   <th><p><b>Metric</b></p></th>\n   <th><p><b>2020</b></p></th>\n   <th><p><b>2019</b></p></th>\n   <th><p><b>Change</b></p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td><p>Revenue</p></td>\n   <td><p>$229 million</p></td>\n   <td><p>$160 million</p></td>\n   <td><p>43%</p></td>\n  </tr>\n  <tr>\n   <td><p>Net income (loss)</p></td>\n   <td><p>$5.98 million</p></td>\n   <td><p>($466,000)</p></td>\n   <td><p>N/A</p></td>\n  </tr>\n  <tr>\n   <td><p>Adjusted EBITDA</p></td>\n   <td><p>$31.5 million</p></td>\n   <td><p>$5.60 million</p></td>\n   <td><p>463%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Data source: Upstart.</p>\n<p>It's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.</p>\n<p>It's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.</p>\n<h2>Sky-high potential for a reasonable price</h2>\n<p>Given the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.</p>\n<p>Granted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company <b>Social Capital Hedosophia V</b> (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Upstart the Growth Stock for You?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Upstart the Growth Stock for You?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-15 16:48 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others...</p>\n\n<a href=\"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2127986073","content_text":"A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. Upstart (NASDAQ:UPST) is one of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.\nThe latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.\nIncredible 2020 numbers for AI-based lending\nUpstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as one level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.\nImage source: Getty Images.\nUpstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.\n\n\n\nMetric\n2020\n2019\nChange\n\n\n\n\nRevenue\n$229 million\n$160 million\n43%\n\n\nNet income (loss)\n$5.98 million\n($466,000)\nN/A\n\n\nAdjusted EBITDA\n$31.5 million\n$5.60 million\n463%\n\n\n\nData source: Upstart.\nIt's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.\nIt's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.\nSky-high potential for a reasonable price\nGiven the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.\nGranted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company Social Capital Hedosophia V (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":347173956,"gmtCreate":1618479013575,"gmtModify":1634292661885,"author":{"id":"3573364850970207","authorId":"3573364850970207","name":"CA_SH","avatar":"https://static.tigerbbs.com/d679a10430361df9dab41b6ee65afc9e","vip":1,"crmLevel":6,"crmLevelSwitch":0,"authorIdStr":"3573364850970207","idStr":"3573364850970207"},"htmlText":"Good read","listText":"Good read","text":"Good read","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/347173956","repostId":2127986073,"repostType":4,"repost":{"id":"2127986073","pubTimestamp":1618476505,"share":"https://www.laohu8.com/m/news/2127986073?lang=&edition=full","pubTime":"2021-04-15 16:48","market":"us","language":"en","title":"Is Upstart the Growth Stock for You?","url":"https://stock-news.laohu8.com/highlight/detail?id=2127986073","media":"Motley Fool","summary":"This AI-enhanced personal lender is jump-starting its entry into the auto lending market.","content":"<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. <b>Upstart </b>(NASDAQ:UPST) is <a href=\"https://laohu8.com/S/AONE\">one</a> of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.</p>\n<p>The latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.</p>\n<h2><a href=\"https://laohu8.com/S/RDR.SI\">Incredible</a> 2020 numbers for AI-based lending</h2>\n<p>Upstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as <a href=\"https://laohu8.com/S/AONE.U\">one</a> level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7a24c235c2483938fc60bf2a3d628c2b\" tg-width=\"700\" tg-height=\"527\"><span>Image source: Getty Images.</span></p>\n<p>Upstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.</p>\n<table>\n <thead>\n  <tr>\n   <th><p><b>Metric</b></p></th>\n   <th><p><b>2020</b></p></th>\n   <th><p><b>2019</b></p></th>\n   <th><p><b>Change</b></p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td><p>Revenue</p></td>\n   <td><p>$229 million</p></td>\n   <td><p>$160 million</p></td>\n   <td><p>43%</p></td>\n  </tr>\n  <tr>\n   <td><p>Net income (loss)</p></td>\n   <td><p>$5.98 million</p></td>\n   <td><p>($466,000)</p></td>\n   <td><p>N/A</p></td>\n  </tr>\n  <tr>\n   <td><p>Adjusted EBITDA</p></td>\n   <td><p>$31.5 million</p></td>\n   <td><p>$5.60 million</p></td>\n   <td><p>463%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Data source: Upstart.</p>\n<p>It's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.</p>\n<p>It's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.</p>\n<h2>Sky-high potential for a reasonable price</h2>\n<p>Given the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.</p>\n<p>Granted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company <b>Social Capital Hedosophia V</b> (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Upstart the Growth Stock for You?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Upstart the Growth Stock for You?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-15 16:48 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others...</p>\n\n<a href=\"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2127986073","content_text":"A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. Upstart (NASDAQ:UPST) is one of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.\nThe latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.\nIncredible 2020 numbers for AI-based lending\nUpstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as one level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.\nImage source: Getty Images.\nUpstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.\n\n\n\nMetric\n2020\n2019\nChange\n\n\n\n\nRevenue\n$229 million\n$160 million\n43%\n\n\nNet income (loss)\n$5.98 million\n($466,000)\nN/A\n\n\nAdjusted EBITDA\n$31.5 million\n$5.60 million\n463%\n\n\n\nData source: Upstart.\nIt's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.\nIt's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.\nSky-high potential for a reasonable price\nGiven the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.\nGranted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company Social Capital Hedosophia V (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":347179256,"gmtCreate":1618478962275,"gmtModify":1634292662226,"author":{"id":"3573364850970207","authorId":"3573364850970207","name":"CA_SH","avatar":"https://static.tigerbbs.com/d679a10430361df9dab41b6ee65afc9e","vip":1,"crmLevel":6,"crmLevelSwitch":0,"authorIdStr":"3573364850970207","idStr":"3573364850970207"},"htmlText":"Good read","listText":"Good read","text":"Good read","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/347179256","repostId":2127986073,"repostType":4,"repost":{"id":"2127986073","pubTimestamp":1618476505,"share":"https://www.laohu8.com/m/news/2127986073?lang=&edition=full","pubTime":"2021-04-15 16:48","market":"us","language":"en","title":"Is Upstart the Growth Stock for You?","url":"https://stock-news.laohu8.com/highlight/detail?id=2127986073","media":"Motley Fool","summary":"This AI-enhanced personal lender is jump-starting its entry into the auto lending market.","content":"<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. <b>Upstart </b>(NASDAQ:UPST) is <a href=\"https://laohu8.com/S/AONE\">one</a> of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.</p>\n<p>The latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.</p>\n<h2><a href=\"https://laohu8.com/S/RDR.SI\">Incredible</a> 2020 numbers for AI-based lending</h2>\n<p>Upstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as <a href=\"https://laohu8.com/S/AONE.U\">one</a> level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7a24c235c2483938fc60bf2a3d628c2b\" tg-width=\"700\" tg-height=\"527\"><span>Image source: Getty Images.</span></p>\n<p>Upstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.</p>\n<table>\n <thead>\n  <tr>\n   <th><p><b>Metric</b></p></th>\n   <th><p><b>2020</b></p></th>\n   <th><p><b>2019</b></p></th>\n   <th><p><b>Change</b></p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td><p>Revenue</p></td>\n   <td><p>$229 million</p></td>\n   <td><p>$160 million</p></td>\n   <td><p>43%</p></td>\n  </tr>\n  <tr>\n   <td><p>Net income (loss)</p></td>\n   <td><p>$5.98 million</p></td>\n   <td><p>($466,000)</p></td>\n   <td><p>N/A</p></td>\n  </tr>\n  <tr>\n   <td><p>Adjusted EBITDA</p></td>\n   <td><p>$31.5 million</p></td>\n   <td><p>$5.60 million</p></td>\n   <td><p>463%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Data source: Upstart.</p>\n<p>It's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.</p>\n<p>It's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.</p>\n<h2>Sky-high potential for a reasonable price</h2>\n<p>Given the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.</p>\n<p>Granted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company <b>Social Capital Hedosophia V</b> (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Upstart the Growth Stock for You?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Upstart the Growth Stock for You?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-15 16:48 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others...</p>\n\n<a href=\"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2127986073","content_text":"A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. Upstart (NASDAQ:UPST) is one of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.\nThe latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.\nIncredible 2020 numbers for AI-based lending\nUpstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as one level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.\nImage source: Getty Images.\nUpstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.\n\n\n\nMetric\n2020\n2019\nChange\n\n\n\n\nRevenue\n$229 million\n$160 million\n43%\n\n\nNet income (loss)\n$5.98 million\n($466,000)\nN/A\n\n\nAdjusted EBITDA\n$31.5 million\n$5.60 million\n463%\n\n\n\nData source: Upstart.\nIt's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.\nIt's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.\nSky-high potential for a reasonable price\nGiven the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.\nGranted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company Social Capital Hedosophia V (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":347143886,"gmtCreate":1618478146445,"gmtModify":1634292666720,"author":{"id":"3578983795474363","authorId":"3578983795474363","name":"DesmondChin","avatar":"https://static.tigerbbs.com/b90cb6b6a6c328ac8d02a829e5e7c835","vip":1,"hat":"https://static.tigerbbs.com/46b6808e1ba3716fb9c53339adffa3c5","crmLevel":3,"crmLevelSwitch":0,"authorIdStr":"3578983795474363","idStr":"3578983795474363"},"htmlText":"If only you know what it was.....","listText":"If only you know what it was.....","text":"If only you know what it was.....","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/347143886","repostId":2127986073,"repostType":4,"repost":{"id":"2127986073","pubTimestamp":1618476505,"share":"https://www.laohu8.com/m/news/2127986073?lang=&edition=full","pubTime":"2021-04-15 16:48","market":"us","language":"en","title":"Is Upstart the Growth Stock for You?","url":"https://stock-news.laohu8.com/highlight/detail?id=2127986073","media":"Motley Fool","summary":"This AI-enhanced personal lender is jump-starting its entry into the auto lending market.","content":"<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. <b>Upstart </b>(NASDAQ:UPST) is <a href=\"https://laohu8.com/S/AONE\">one</a> of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.</p>\n<p>The latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.</p>\n<h2><a href=\"https://laohu8.com/S/RDR.SI\">Incredible</a> 2020 numbers for AI-based lending</h2>\n<p>Upstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as <a href=\"https://laohu8.com/S/AONE.U\">one</a> level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7a24c235c2483938fc60bf2a3d628c2b\" tg-width=\"700\" tg-height=\"527\"><span>Image source: Getty Images.</span></p>\n<p>Upstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.</p>\n<table>\n <thead>\n  <tr>\n   <th><p><b>Metric</b></p></th>\n   <th><p><b>2020</b></p></th>\n   <th><p><b>2019</b></p></th>\n   <th><p><b>Change</b></p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td><p>Revenue</p></td>\n   <td><p>$229 million</p></td>\n   <td><p>$160 million</p></td>\n   <td><p>43%</p></td>\n  </tr>\n  <tr>\n   <td><p>Net income (loss)</p></td>\n   <td><p>$5.98 million</p></td>\n   <td><p>($466,000)</p></td>\n   <td><p>N/A</p></td>\n  </tr>\n  <tr>\n   <td><p>Adjusted EBITDA</p></td>\n   <td><p>$31.5 million</p></td>\n   <td><p>$5.60 million</p></td>\n   <td><p>463%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Data source: Upstart.</p>\n<p>It's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.</p>\n<p>It's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.</p>\n<h2>Sky-high potential for a reasonable price</h2>\n<p>Given the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.</p>\n<p>Granted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company <b>Social Capital Hedosophia V</b> (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Upstart the Growth Stock for You?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Upstart the Growth Stock for You?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-15 16:48 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others...</p>\n\n<a href=\"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2127986073","content_text":"A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. Upstart (NASDAQ:UPST) is one of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.\nThe latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.\nIncredible 2020 numbers for AI-based lending\nUpstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as one level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.\nImage source: Getty Images.\nUpstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.\n\n\n\nMetric\n2020\n2019\nChange\n\n\n\n\nRevenue\n$229 million\n$160 million\n43%\n\n\nNet income (loss)\n$5.98 million\n($466,000)\nN/A\n\n\nAdjusted EBITDA\n$31.5 million\n$5.60 million\n463%\n\n\n\nData source: Upstart.\nIt's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.\nIt's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.\nSky-high potential for a reasonable price\nGiven the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.\nGranted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company Social Capital Hedosophia V (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":347150297,"gmtCreate":1618477237919,"gmtModify":1634292672180,"author":{"id":"3577278222793236","authorId":"3577278222793236","name":"Tofufu","avatar":"https://static.tigerbbs.com/801cedf1497993a64e4845dfc0f51ff3","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3577278222793236","idStr":"3577278222793236"},"htmlText":"To the moon","listText":"To the moon","text":"To the moon","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/347150297","repostId":2127986073,"repostType":4,"repost":{"id":"2127986073","pubTimestamp":1618476505,"share":"https://www.laohu8.com/m/news/2127986073?lang=&edition=full","pubTime":"2021-04-15 16:48","market":"us","language":"en","title":"Is Upstart the Growth Stock for You?","url":"https://stock-news.laohu8.com/highlight/detail?id=2127986073","media":"Motley Fool","summary":"This AI-enhanced personal lender is jump-starting its entry into the auto lending market.","content":"<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. <b>Upstart </b>(NASDAQ:UPST) is <a href=\"https://laohu8.com/S/AONE\">one</a> of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.</p>\n<p>The latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.</p>\n<h2><a href=\"https://laohu8.com/S/RDR.SI\">Incredible</a> 2020 numbers for AI-based lending</h2>\n<p>Upstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as <a href=\"https://laohu8.com/S/AONE.U\">one</a> level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7a24c235c2483938fc60bf2a3d628c2b\" tg-width=\"700\" tg-height=\"527\"><span>Image source: Getty Images.</span></p>\n<p>Upstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.</p>\n<table>\n <thead>\n  <tr>\n   <th><p><b>Metric</b></p></th>\n   <th><p><b>2020</b></p></th>\n   <th><p><b>2019</b></p></th>\n   <th><p><b>Change</b></p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td><p>Revenue</p></td>\n   <td><p>$229 million</p></td>\n   <td><p>$160 million</p></td>\n   <td><p>43%</p></td>\n  </tr>\n  <tr>\n   <td><p>Net income (loss)</p></td>\n   <td><p>$5.98 million</p></td>\n   <td><p>($466,000)</p></td>\n   <td><p>N/A</p></td>\n  </tr>\n  <tr>\n   <td><p>Adjusted EBITDA</p></td>\n   <td><p>$31.5 million</p></td>\n   <td><p>$5.60 million</p></td>\n   <td><p>463%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Data source: Upstart.</p>\n<p>It's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.</p>\n<p>It's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.</p>\n<h2>Sky-high potential for a reasonable price</h2>\n<p>Given the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.</p>\n<p>Granted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company <b>Social Capital Hedosophia V</b> (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Upstart the Growth Stock for You?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Upstart the Growth Stock for You?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-15 16:48 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others...</p>\n\n<a href=\"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/04/14/is-upstart-the-growth-stock-for-you/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2127986073","content_text":"A seeming multitude of fintech and digital payments companies have made public debuts in the past year. Some are merely trying to take advantage of the hype surrounding the digital economy, but others look like promising long-term growth stocks. Upstart (NASDAQ:UPST) is one of those promising few -- but it's no hidden gem. As of this writing, shares are up an incredible 280% since its December IPO.\nThe latest quarterly report and a pending acquisition have helped send the fintech company's stock into the stratosphere. Nevertheless, for investors with a very long-term horizon (think five years or more), this is a growth stock worth putting on your radar.\nIncredible 2020 numbers for AI-based lending\nUpstart is trying to rewrite the playbook on consumer credit. For those with a spiffy clean credit score, applying and getting approved for a personal loan is a cinch. Not so much for those with a less-than-stellar credit record using the traditional FICO-based score. However, Upstart points out that 80% of Americans have never defaulted on credit, but nearly half don't have access to prime credit (traditionally defined as one level below super prime, the highest consumer credit rating). Rather than relying on historical data to create a simple scorecard, Upstart uses artificial intelligence (AI) to improve the credit decision-making process and increase access to lending for the masses.\nImage source: Getty Images.\nUpstart itself is a lender, but it also partners with banks and allows them to use its AI software to help improve offers to clients -- thereby increasing approvals, driving down loan default rates, and reducing interest rates for the borrower. And because the application and approval processes are automated, the company's AI-based platform remained in high demand even during the pandemic.\n\n\n\nMetric\n2020\n2019\nChange\n\n\n\n\nRevenue\n$229 million\n$160 million\n43%\n\n\nNet income (loss)\n$5.98 million\n($466,000)\nN/A\n\n\nAdjusted EBITDA\n$31.5 million\n$5.60 million\n463%\n\n\n\nData source: Upstart.\nIt's easy to see why there's such optimism around this stock. Besides double-digit percentage growth amid a pandemic-induced recession, Upstart is already profitable.\nIt's also using the sizable war chest it raised from its IPO ($251 million in unrestricted cash at the end of 2020) to go shopping. It's acquiring the small company Prodigy Software to accelerate its entrance into the largely untapped auto loan industry. Some $1 trillion a year is spent on car purchases in the U.S. -- most of those buys financed. Upstart offered its first auto loan late last year and will use Prodigy to ramp up the national rollout of its auto loan program for car dealers and banks.\nSky-high potential for a reasonable price\nGiven the wild swing higher in Upstart's share price since its public debut late last year, this stock is still trading for a reasonable valuation -- if you are investing with a long-term time horizon. Shares currently trade for 15.5 times expected 2021 revenue (Upstart forecasted sales to be about $500 million, more than double last year's haul) and 155 times expected 2021 adjusted EBITDA (forecast to be about 10% of sales, or about $50 million). Subsequent to the last quarterly update, the company also announced it was raising as much as $276 million more cash by selling additional stock. This is one well-funded financial technologist poised to bring some much needed digital updates to the lending industry.\nGranted, I'm not calling Upstart stock a bargain. The company has peers that are also hard at work trying to change the status quo in banking -- like SoFi, which is in the process of going public through the special-purpose acquisition company Social Capital Hedosophia V (NYSE:IPOE). But this young and already profitable company is making great strides in the massive personal lending and auto loan space, and it will only get more profitable over time as it reaches a more efficient scale. If you're looking for a promising fintech stock for the long term, Upstart is certainly worth your consideration.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"}],"hasMoreComments":true,"newsSizeData":{"likeSize":17,"commentSize":8,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false}}