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Why are you or are you not investing in Upstart $UPST-2.7%?

This highly volatile company is very well followed by investors and there are often mixed views and opinions on it, how do you like this company?

UPST
$25.52 -$0.70 -2.67%
1 Day
-0.03%
5 Days
-8.8%
1 Month
-30.25%
6 Months
-24.87%
YTD
-36.93%
1 Year
+32.13%
5 Years
-16.97%
Max.
-16.97%

I don't know the company, but as far as I can tell, it's too risky for me, so I don't want to include this company's stock in my portfolio.