UPST v LC v SOFI

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https://www.fool.com/premium/coverage/investing/2021/08/19/s…

R4M (long UPST)

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LendingClub should be viewed as a turn around story from the depths of covid, but not as a fundamentally strong business. Revenues are recovering from about a whole year of lost opportunity: https://discussion.fool.com/as-xmfsandman-also-pointed-out-yeste…

Despite existing for many more years than UPST, and thus lots more data to work with, their ‘AI’ has shown little signs of a competitive advantage.
LendingClub has extremely rigid and undifferentiated underwriting ”AI” models: https://discussion.fool.com/abhijitd1-one-point-i-did-not-emphas… and https://discussion.fool.com/quotthese-models-are-built-on-more-t…

They were forced to pivot to become a bank for a reason by their less than stellar management: https://discussion.fool.com/i-agree-with-junomean2-the-conclusio…

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