Upstart share price - Upstart Holdings Inc (UPST) Stock Price & News

But right now, credit quality is strong, and hopefully, management teams are prudently preparing for what's to come.

Let's dive in and see where this cloud-based, AI-driven lending platform will be in three years.

In its fourth-quarter earnings report, Upstart noted that 70% of borrowers were instantly approved, meaning that those people didn't have to upload any documents, talk with anyone for further clarification, or wait to learn if they'd get the money they wanted.

Consumer-facing stocks in general face a lot of skepticism about how the consumer will hold up later this year and in 2023, especially if the economy tips into a recession.