Upstart’s stock tumbled 19% in early 2026 despite strong growth—loans up 86%, revenue up 35%—as leadership changes and weaker-than-expected guidance rattled investors. CEO Dave Girouard stepped down, replaced by co-founder Paul Gu, who’s already buying shares—a bullish signal. But rising marketing costs squeezed margins, and with interest rates looming, the stock remains a high-risk play with solid long-term growth potential.
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