Motley Fool: UPST Will Double by Year-End. UPST Two Weeks Later: "Best I Can Do Is Tank 12%"

The Motley Fools crystal-clear thesis: Upstart is trading at a forward P/S of just 2.1 against $1.4B in projected 2026 revenue. The holy grail narrative? AI replacing FICO scoring. Brilliant! Except... UPST has been getting absolutely demolished, down 12% in two weeks while the broader market treads water. Turns out replacing 50 years of credit infrastructure, regulatory frameworks, and banker inertia is harder than writing a bullish article makes it sound. The stock wanted nothing to do with the "cheap" valuation or the "AI thesis." Funny how that works when youre a fintech startup trying to dethrone one of Wall Streets most entrenched oligopolies. Sometimes low valuations stay low for a reason.