Thanks to its disruptive potential to upend how borrowers and lenders interact, Upstart (NASDAQ: UPST) initially saw its business thrive and its share price skyrocket. In fact, the stock was up an incredible 1,200% from when it started trading publicly in December 2020 to its all-time high in October 2021. 

But the fintech company has been struggling since as higher interest rates create softer economic conditions. And shares are down 92% from their peak (as of this writing), forcing many investors to question Upstart's investment merits.

To better analyze the business, let's look at three things that the smartest investors know about Upstart. Hopefully this will better inform those who are considering making a move with the stock.

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Source Fool.com