$Upstart Holdings, Inc.(UPST)$ , has gained a lot of attention from shareholders based on the high growth forecasts and the FinTech disruption model that is taking on the traditional consumer loan sector. Since the stock dropped some 70% from the highs, we will analyze the fundamental standing in order to see if there is an opportunity for investors. Growth Expectations Upstart has made some significant strides and entered a high-growth stage as the company's revenues increased by 286.6%, which is more than the 3-year average growth rate of 207.3%. For the future, we can estimate a fundamental revenue growth rate. We start by looking at how much Upstart has reinvested into the business based on Net CapEx. Last year, Upstart invested some $7.5m as Net