Episode 177: Today, a rare conversation with a founder-CEO at a turning point. Ann is joined by Dave Girouard, Co-Founder of fintech Upstart, as he steps down as CEO after scaling the AI-driven credit platform to nearly a $3 billion market cap. They break down how Upstart hit record revenue and profitability in 2025, why it’s setting aggressive growth targets and what’s driving its push for a national bank charter. Plus, why investors are watching closely as the company drops quarterly guidance, navigates a leadership transition and leans into a more AI-native future – and how Dave plans to stay involved in this next chapter.$UPSTVisit Schwab.com/FinancialDecoderwww.aflac.com/brewmarketswww.brewmarkets.com Subscribe to the Brew Markets newsletter: https://www.morningbrew.com/brew-mark...Follow Brew Markets on social:Instagram: instagram.com/brewmarketsTikTok: tiktok.com/@brewmarketsX: x.com/brewmarketsFollow Ann Berry on social:Instagram: instagram.com/annberry_nycX: x.com/AnnBerry_NYCListen to Brew Markets Here: swap.fm/l/9Qk4z73Z2nEwFiCB4qeeWatch Brew Markets Here:⁠ https://www.youtube.com/@BrewMarketsThe content shared on this podcast is for informational and entertainment purposes only and should not be considered financial, legal, or investment advice. Brew Markets, Morning Brew and their hosts are not licensed financial advisors. Listeners should conduct their own research and consult with qualified professionals before making any financial decisions or investments. The views expressed are those of the hosts and guests and do not necessarily reflect the views of Morning Brew or its affiliates. This podcast may include paid endorsements or sponsorshipsLearn more about your ad choices. Visit megaphone.fm/adchoices