Fintech stocks have received considerable attention in recent years, as digital finance has grown. The combination of finance and technology has challenged traditional finance methods. Upstart Holdings (UPST), a small-cap stock valued at $3.36 billion, is one such fintech company. It is an artificial intelligence (AI)-powered lending platform that works with banks and credit unions to offer personal loans and other financial services. The company assesses creditworthiness using AI and machine learning to increase access to affordable credit, while also reducing risk for its lending partners. S…