Growth and market share gains will help these new fintechs reach the stratosphere.It may seem like a long time ago now, but 2021 was the year of Upstart Holdings. The lending platform grew to a market cap of $30 billion and was aiming to disrupt the traditional pricing mechanisms for consumer loans before it crashed over 90% from all-time highs.In recent quarters, the stock has made a recovery and now sits at a market cap around $8 billion as the company makes progress to go from annual losses to profitabil ...