Upstart
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The AI lending marketplace redefining how America borrows.
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Latest posts 5
Don't forget to turn into the earnings call next Tuesday, November 3, 2026, at 5:00 a.m. PT / 8:00 a.m. ET.
FYI - We're still putting the finishing touches on our upcoming video webcast to make sure it works perfectly, as a result this quarter’s call will remain in our standard audio format. And, don't forget to ask any questions for @paulxgu / Andrea.
FYI - We're still putting the finishing touches on our upcoming video webcast to make sure it works perfectly, as a result this quarter’s call will remain in our standard audio format. And, don't forget to ask any questions for @paulxgu / Andrea.
Q3 Earnings call is scheduled for Tuesday, November 3, 2026, at 5:00 a.m. PT / 8:00 a.m. ET. If you have a question for @paulxgu and Andrea, please ask via this thread before 4:30 a.m. PT / 7:30 a.m. ET on Tuesday, November 3. and they’ll answer as many as they can.View quoted post on X
Q3 Earnings call is scheduled for Tuesday, November 3, 2026, at 5:00 a.m. PT / 8:00 a.m. ET. If you have a question for @paulxgu and Andrea, please ask via this thread before 4:30 a.m. PT / 7:30 a.m. ET on Tuesday, November 3. and they’ll answer as many as they can.
Spend some time with @paulxgu and @petkevichdan in the car talking about the beginnings of Upstart, lots about the model and sheep. Yes, sheep.
New on Cars and Capitalists:
Paul Gu (@paulxgu), CEO and Co-Founder of @Upstart.
@Upstart is an AI lender worth $2.5B today. They did $1B in revenue in 2025, up 64%, grew originations 86%, and were profitable. Paul took over as CEO from co-founder Dave Girouard (@davegirouard) in May.
Before that, Paul was Upstart's CTO and built its first credit models. He's a Thiel Fellow and Yale dropout who came out of quant finance.
In this episode of Cars and Capitalists, we discuss:
0:00 - "The model's gonna suck": why you can't copy Upstart
2:02 - Three sheep, two breeds, one A/B test
8:13 - The core business: 50 million Americans the prime market won't serve
21:20 - Inflating away the debt vs. the hard choices nobody will make
29:58 - Cartoon math: $100 of loans, $5 of contribution, a 20% fund
41:33 - The real moat: Jane Street techniques pointed at consumer credit
58:03 - The golf trip problem, and paying dealers to pick you
1:06:03 - "No one wants to fund a new product. It's like nuclear waste"
1:16:51 - Killing auto refi, the product they were best at
1:24:42 - 2040: relevant to economic history, and unambiguously pro-human
Thanks to our sponsor @rootvc.View quoted post on X
"I want to unambiguously have the best credit product for every American in every situation, and I want Upstart to be the most trusted brand in consumer credit." -CEO @paulxgu, on Fintech One-On-One
Paul joined @peterrenton to discuss the future of Upstart.
Listen here: fintechoneonone.com/upstart-buildi…
Paul joined @peterrenton to discuss the future of Upstart.
Listen here: fintechoneonone.com/upstart-buildi…
fintechoneonone.com Why Upstart Is Building a Bank From Scratch Instead of Buying One With CEO Paul Gu Paul Gu, CEO of Upstart, talks about the OCC's conditional approval of Upstart Bank, the de novo charter path, and AI in consumer credit.