Motley Fool: UPST Will Double By EOY 2026. UPST 9 Days Later: "Best I Can Do Is Tank 12%"

Nothing screams "solid thesis" like recommending a fintech stock because it has "finally bottomed." On April 16, UPST was trading at $33.09. The Motley Fools bullish take: clear sailing to $66+. Nine days later, reality delivered its standard "thanks for playing" memo. The problem with "beaten-down fintech" is that its usually beaten down *for a reason*—regulatory headwinds, rising rates destroying their lending models, competition. Motley Fools checklist: ✓ Catching a falling knife ✓ Using the word "primed" (worst investing word ever) ✓ Declaring a bottom before the bottom ✓ Zero acknowledgment that fintech credit is still deteriorating. This is what happens when you mistake capitulation for opportunity. UPST has ping-ponged between $28-$45 for two years. Saying itll double *this year* requires either blind faith or a Motley Fool subscription.