Madhu Chaudhary, investment analyst for Left Brain Investment Research, says that while UpStart Holdings (UPST) is a new company that has rocketed from IPO to high valuations in less than a year, the company has growth prospects that are built to last. Chaudry says that the online lending platform company -- which uses artificial intelligence to look beyond credit scores to decide creditworthiness -- has just started tapping its potential markets domestically and abroad.