Is Upstart (UPST) Using Credit Union Partnerships to Strengthen Its AI Lending Funding Backbone?

Simply Wall St.01-16

In January 2026, MyPoint Credit Union announced it had partnered with Upstart to expand access to personal loans via the Upstart Referral Network, giving qualified Upstart.com applicants tailored ...

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This partnership, alongside rising attention on Upstart’s upcoming fourth-quarter and full-year 2025 results and ongoing credit-risk concerns, is sharpening focus on how its AI lending model balances growth, funding needs, and borrower quality. We’ll now examine how the MyPoint Credit Union partnership could influence Upstart’s investment narrative around partnerships, funding access, and risk. Uncover the next big thing with financially sound penny stocks that balance risk and reward.AdvertisementUpstart Holdings Investment Narrative RecapTo own Upstart today, you need to believe its AI lending model can keep attracting bank and credit union partners while managing credit risk and funding needs in a choppy macro backdrop. The MyPoint Credit Union partnership is positive for distribution, but it does not materially change the near term focus on credit performance and any potential funding or capital raise questions heading into the upcoming 2025 results. The most relevant recent announcement is Upstart’s plan to report its fourth quarter and full year 2025 results on February 10, 2026, which will put partnerships like MyPoint into clearer financial context. Investors will be watching how expanded partner volumes, including MyPoint and other credit unions, translate into revenue, funding mix, and any signs of strain in loan performance or capital needs. Yet behind the partner growth story, investors should also be aware of rising concerns about potential funding constraints and the possibility of... 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 16% upside to its current price.Exploring Other PerspectivesUPST 1-Year Stock Price Chart Fourteen members of the Simply Wall St Community value Upstart between US$32.80 and US$80.00, underscoring how far opinions diverge. As you weigh these views, remember that Upstart’s results remain tightly linked to macro driven credit performance and the resilience of its AI models under stress.Explore 14 other fair value estimates on Upstart Holdings - why the stock might be worth 32% less than the current price!Build Your Own Upstart Holdings NarrativeDisagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.A great starting point for your Upstart Holdings research is our analysis highlighting 3 key rewards and 2 important warning signs that could impact your investment decision.Our free Upstart Holdings research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Upstart Holdings' overall financial health at a glance.Looking For Alternative Opportunities?Right now could be the best entry point. These picks are fresh from our daily scans. Don't delay:Find companies with promising cash flow potential yet trading below their fair value.The best AI stocks today may lie beyond giants like Nvidia and Microsoft. Find the next big opportunity with these 24 smaller AI-focused companies with strong growth potential through early-stage innovation in machine learning, automation, and data intelligence that could fund your retirement.The latest GPUs need a type of rare earth metal called Dysprosium and there are only 38 companies in the world exploring or producing it. Find the list for free.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    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\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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