Shares of Upstart Holdings, Inc. ($UPST) experienced a significant surge, rising by 12% on December 13, 2024, and reaching a trading price of approximately $86. The stock has been characterized as a strong swing trade, with some investors noting its performance after a recent analyst downgrade. Following that downgrade, $UPST has achieved new 52-week highs, with projections suggesting potential moves towards $94 and $100. In contrast, shares of Affirm Holdings, Inc. ($AFRM) saw a decline, with one investor expressing a long position in the company despite the downturn.