@goddreng10 Don't get me wrong, PGY is solid infrastructure, but UPST has asymmetric upside if credit markets reopen in 2026. Higher risk. Much higher ceiling. 📈
@goddreng10 I prefer UPST over PGY because UPST is a pure macro + AI lending recovery play.
When rates fall, loan demand explodes → bank partners return → volumes scale fast → revenue snaps back hard.