1. Upstart Holdings has shown significant growth with a 56% YoY revenue increase and improved net income, despite remaining unprofitable. 2. The AI-powered lending platform has automated over 90% of loans, leading to higher approval rates and lower APRs compared to traditional lenders. 3. UPST's Q4 earnings exceeded expectations, with revenue at $219M and a smaller-than-expected net loss, driving the stock up 20%.