Wall Street analysts are cautious about Upstart, an AI-driven consumer loan provider, due to its recent challenges and adverse market conditions. However, optimism surrounds the potential for a turnaround, driven by anticipated interest rate cuts from the Federal Reserve, which could invigorate loan demand. Upstart’s technology improvements have led to an increased conversion rate for loan applications, suggesting brighter revenue prospects. Despite a stock surge following its second-quarter earnings report, some analysts warn of the company’s susceptibility to interest rates and recent financial losses. Investors are advised to consider broader market trends and other promising stocks before deciding.