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Upstart Holdings Inc. (UPST)
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Affirm Holdings Inc. (AFRM)
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Propel Holdings Inc. (PRL)
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Sezzle Inc. (SEZL)
Thanks for your past assistance.
I've done well with PRL and I'm wondering if Upstart has the same kind of trajectory.
Do you like this stock short and long term?
If not, can you please recommend an alternative?
Thanks!
UPST certainly has potential, and it is starting to fix some of its fundamental issues that hurt it a couple of years ago. It is a VERY volatile stock, and highly sensitive to rates and general market sentiment. Short interest is 25% and it gets attacked semi-regularly. But, it is up 105% in a year and already 25% in 2025. If the market is going to go up, we are sure UPST will follow, with more beta. It has lost money for three years, but is expected to make 59c a share in 2025. It is expensive on all metrics, but does have earnings growth power. We would consider it 'OK', not 'great' for very aggressive investors. We would note that while PRL is much smaller, it is much, much, much cheaper and also pays a dividend and also has a very high expected growth rate. SEZL is a cheaper alternative to UPST, but also much smaller. We would also see AFRM as a larger, safer, cheaper alternative to UPST.