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    Can Upstart (UPST)–MyPoint Credit Union Expansion Clarify Its Core Value to Lending Partners?

    Simply Wall St·01/08/2026 06:29:14
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    • In early January 2026, MyPoint Credit Union announced it had expanded its partnership with Upstart Holdings, using Upstart’s AI-driven Referral Network to deliver MyPoint-branded online personal loans to qualified applicants who meet its credit policies.
    • This move underlines how Upstart’s platform can deepen credit union relationships by handling customer acquisition and digital loan workflows while leaving credit decisions aligned with each partner’s own standards.
    • We’ll now examine how this expanded credit union partnership, alongside Upstart’s recent revenue and origination growth, could influence its investment narrative.

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    Upstart Holdings Investment Narrative Recap

    To own Upstart, you likely need to believe that its AI lending platform can keep attracting partners while managing credit risk in changing macro conditions. The MyPoint Credit Union expansion supports the catalyst of growing referral-network originations and partner confidence, but it does not materially change the key near term risk around model accuracy and default outcomes if conditions weaken.

    Among recent updates, management’s guidance for Q4 2025 revenue of about US$288,000,000 and full year revenue of about US$1,035,000,000 stands out, because it frames how quickly new and existing partners, including banks and credit unions, might translate into higher originations and earnings, relative to ongoing concerns about default rates and funding capacity.

    Yet alongside this growth story, investors should also be aware that...

    Read the full narrative on Upstart Holdings (it's free!)

    Upstart Holdings' narrative projects $1.8 billion revenue and $337.2 million earnings by 2028. This requires 27.2% yearly revenue growth and about a $343.6 million earnings increase from -$6.4 million today.

    Uncover how Upstart Holdings' forecasts yield a $55.38 fair value, a 10% upside to its current price.

    Exploring Other Perspectives

    UPST 1-Year Stock Price Chart
    UPST 1-Year Stock Price Chart

    Fourteen members of the Simply Wall St Community put fair value for Upstart between US$32.80 and US$80.00, reflecting wide differences in expectations. As you weigh those views, remember that Upstart’s results remain closely tied to how its AI models perform through changing default patterns and funding conditions, so it can be useful to compare several perspectives before forming your own.

    Explore 14 other fair value estimates on Upstart Holdings - why the stock might be worth 35% less than the current price!

    Build Your Own Upstart Holdings Narrative

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    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.