Upstart Holdings (NASDAQ: UPST) has gone from darling to dud in a short time span. Things look worse than ever after the fintech company missed Wall Street's expectations for third-quarter revenue and income and offered weak guidance for the fourth quarter. 

There are two parts to this story. One is the company's own struggles, and the other is the economic climate. Without the second part changing, it doesn't seem like Upstart can get back to growth. What should investors expect in one year from now?

Upstart is a credit evaluation platform that uses artificial intelligence to make more accurate assessments than traditional credit scoring tools. It offered compelling evidence of this when it first became a public company almost two years ago, and it says that loans using its technology result in 75% fewer defaults at the same approval rates. As a result of its better evaluation system, it has been able to approve more loans at a lower risk to lenders. That attracted more credit partners, higher revenue, and increased profits. 

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Source Fool.com