Chime ( CHYM +3.74% ) and Upstart ( UPST +0.65% ) are both high-growth fintech companies that serve lower-income customers. Chime offers fee-free digital banking services to customers who might struggle to open accounts at traditional banks, while Upstart uses its AI algorithms to approve loans for borrowers with limited credit histories.

Chime went public at $27 this June, but it now trades at about $24. Upstart went public at $20 in December 2020, and it now trades at around $47. Let's see why Upstart soared and Chime slumped, and if the former will continue to outperform the latter over the next few years.

Chime is still growing, but its expenses are rising

Chime's online platform provides fee-free checking and savings accounts with overdraft protection, early pay to

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