Simon Erickson and Heather Horton break down Upstart Holdings (NASDAQ:UPST) Q2 2026 earnings, released the day before this live stream. New CEO Paul Gu, one of the company's original co-founders, posted his own recap directly on X just 100 days into the role, a move Simon highlights as a sign the company is finally learning to speak Wall Street's language rather than getting lost in the weeds of its AI credit models. Upstart uses proprietary AI models, drawing on more than 1,000 data points instead of a traditional FICO score, to originate consumer loans in a lending market Simon describes as worth more than a trillion dollars.The episode covers total loan originations of $4.2 billion, up 50% year over year across 558,000 loans, along with a breakdown of unsecured personal loan growth versus a rapidly scaling auto and home loan business. Simon and Heather also walk through Upstart's contribution profit, total net revenue, and its return to GAAP net income for the quarter, along with the company's newly reaffirmed three-year growth targets through 2028. They close with a discussion of Upstart's pending federal banking charter and what that could mean for how the company funds future loans.🔗 Free 7investing trial: https://7investing.com/subscribeStocks MentionedPublicly Traded:Upstart Holdings, Inc. (NASDAQ:UPST)#7investing #SimonErickson #Upstart #UPST #AIstocks #FintechStocks #EarningsReport #StockAnalysis #ArtificialIntelligence