Upstart Holdings (NASDAQ: UPST) has been incredibly disappointing for investors over the past few years. The onetime market star is not only more than 90% below its all-time highs, but also more than 10% below its first-day closing price.

Investors aren't even enthused anymore when they get good news about Upstart's online lending platform, since it's often been accompanied by bad news as well.

Management isn't sugarcoating the situation, but it's still confident about the future. Where might Upstart be at this time next year?

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Source Fool.com