$UPST and $KNSL are on the shortlist of stocks that rose during February's earnings season -- but I believe they are just getting started on their long-term outperformance.

Upstart's AI/ML appears to be strengthening and is bringing in new banking partners at an incredible clip -- all while offering wild optionality years down the road.

Kinsale, meanwhile, is the only pure-play insurer in the excess and surplus insurance market. This hyper-focus on its niche has provided outsized returns to investors and shows no signs of stopping soon -- especially as they only have around 1% of their total market.