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Why Upstart Stock Lost 29% in 2025

TheMotleyFool

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Shares of Upstart Holdings (NASDAQ: UPST), the volatile fintech stock, finished lower last year after a series of up-and-down movements. Despite strong growth in the underlying business due to the rollout of a new AI model and falling interest rates, fears about rising credit risk seemed to overcome the positive signs in the business. As a result, the stock finished the year down 29%, according to S&P Global Market Intelligence.

As you can see from the chart below, the stock was up more than 25% on two separate occasions last year, though it lost those gains both times.