and Cramer got committed earlier in the day that he was going to trash UPST CEO.

Sometimes Cramer is good. Sometimes he is an absolute phony.

Cramer was acting as though the entire $600M of loans on the balance sheet were loans they couldn't sell when 75% were for R&D. Only $150M were due to the credit crunch. UPST could have sold those loans also at a slight discount but chose to hold them for a bit due to the volatile market.

The company didn't do a great job of communicating on this matter nor in preparing the market for it. Plus, we are in the sell growth at any price environment and are being sold on any fly in ointment of earnings reports.

I know infinitely more about UPST than Cramer. It's a small holding for me. I first bought on Jan 4 2021 at about where the price is now, sold 80% >$200, and am mulling whether to add back.

If i liked the CEO better, who is OK but not a superstar, i'd have a full position at this price level.