10-Q, Member Exclusive
The fintechs that refuse to stand still
- Robinhood, Upstart, and LendingClub tell a bigger story about where fintech is likely headed in 2026.
- Robinhood is chasing the frontier, Upstart is testing its own limits, and LendingClub is proving that sometimes, the most radical thing a fintech can do is simply perform like a bank.
The trajectories of Robinhood, Upstart, and LendingClub highlight the broader fintech trends heading into 2026
The latest round of earnings from Robinhood, Upstart, and LendingClub reads less like a scoreboard and more like a temperature check on what fintech even means now. Each firm, in its own way, is evolving past the product it was born with – the trading app, the AI-driven lender, the online credit marketplace – and chasing something harder: resilience.
But how they’re getting there couldn’t look more different.
Robinhood: From trades to everything
Robinhood’s early years were about giving retail traders a seat at the table, but its recent quarters have been about building a whole new table.
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