Chime (NASDAQ: CHYM) and Upstart (NASDAQ: UPST) are fintech companies catering to lower-income customers, with Chime offering fee-free digital banking and Upstart using AI for loan approvals. Chime’s stock debuted at $27 but has fallen to $24, while Upstart’s stock, which started at $20, has risen to approximately $47. This disparity raises questions about the reasons for Upstart’s growth compared to Chime’s decline and whether this trend will persist in the coming years.
