{"id":106837,"date":"2026-04-14T07:12:49","date_gmt":"2026-04-14T10:12:49","guid":{"rendered":"https:\/\/ubirataonline.com.br\/prediction-this-artificial-intelligence-ai-stock-is-going-to-double-before-2026-is-over\/"},"modified":"2026-04-14T07:12:53","modified_gmt":"2026-04-14T10:12:53","slug":"prediction-this-artificial-intelligence-ai-stock-is-going-to-double-before-2026-is-over","status":"publish","type":"post","link":"https:\/\/ubirataonline.com.br\/en\/prediction-this-artificial-intelligence-ai-stock-is-going-to-double-before-2026-is-over\/","title":{"rendered":"Prediction: This Artificial Intelligence (AI) Stock Is Going to Double Before 2026 Is Over"},"content":{"rendered":"


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OpenAI launched its ChatGPT artificial intelligence (AI) application in November 2022, and it attracted over 100 million users in just two months. This marked the beginning of the AI boom, but some companies had been developing and even monetizing this revolutionary technology for several years prior.<\/p>\n

Upstart Holdings<\/strong> (UPST<\/a> +2.94%<\/span>)<\/span> has been using AI to assess the creditworthiness of potential borrowers since 2014. Today, the company’s algorithms might be even more predictive than traditional loan assessment tools, including Fair Isaac<\/strong>‘s FICO credit scoring system.<\/p>\n

Upstart’s revenue exploded to a record high in 2025, and the company is expected to deliver another strong result in 2026. However, its stock has opened this year with a 40% decline, and it’s now trading at the cheapest level in almost three years. I think that spells opportunity for investors. Here’s why I predict the stock will double before 2026 is over.<\/p>\n

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Image source: Getty Images.<\/p>\n<\/div>\n

AI is transforming the lending business<\/h2>\n

The FICO credit scoring system takes into account just five core metrics to determine a borrower’s creditworthiness, including their existing debts and repayment history. Upstart’s algorithm measures over 2,500 data points to build a more complete profile of the borrower, which the company says can lead to a higher chance of approval with a more accurate interest rate. <\/p>\n

It would take human loan assessors days or even weeks to analyze an equivalent amount of data, leading to an unsatisfactory customer experience. In the fourth quarter of 2025, Upstart’s algorithm handled 91% of all loan applications autonomously with no human intervention, which highlights the power of AI<\/a>. <\/p>\n

Upstart originated almost 1.5 million loans during 2025, a whopping 115% increase compared to 2024. Those loans had a total dollar value of $11 billion, which was up 86%. Simply put, the company’s AI-powered approach is clearly resonating with prospective borrowers.<\/p>\n

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\"Upstart<\/div>\n<\/div>\n
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Today’s Change<\/p>\n

(2.94%) $0.80<\/p>\n

Current Price<\/p>\n

$28.06<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Key Data Points<\/h3>\n
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Market Cap<\/p>\n

$2.8B<\/p>\n

Day’s Range<\/p>\n

$26.43 – $28.13<\/p>\n

52wk Range<\/p>\n

$23.96 – $87.30<\/p>\n

Volume<\/p>\n

27K<\/p>\n

Avg Vol<\/p>\n

5M<\/p>\n

Gross Margin<\/p>\n

97.62%<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n

Unsecured personal loans make up the majority of Upstart’s originations, but the company is making a lot of headway in the automotive and home equity line of credit (HELOC) segments. In fact, originations grew fivefold<\/em> in those two categories last year. <\/p>\n

But this is only the beginning. Upstart chairman Dave Girouard believes AI will replace all human-led loan assessment methods within the next decade, leaving $25 trillion in global originations and $1 trillion in fee revenue up for grabs for companies just like this one.<\/p>\n

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