Upstart Second Quarter Outlook: Can AI lending platforms break through the interest rate dilemma?

Artificial intelligence lending platform Upstart will release its second quarter financial report for 2025 after the market closes on August 5th. Market expectations are for an adjusted earnings per share of $0.25 and revenue of $225 million, marking the company's third consecutive profitable quarter. Despite a 27% increase in stock price year-to-date and a rebound of about 150% from its low point in April, the stock is still down 80% from its peak in October 2021, reflecting the operational challenges brought about by the high interest rate environment in recent years.