American Homes 4 Rent Class A vs Upstart Holdings Inc — how do they compare? American Homes 4 Rent Class A trades at $33.78 (market cap $12.28B), while Upstart Holdings Inc trades at $29.32 (market cap $2.91B). The key difference: American Homes 4 Rent Class A is far larger — about 4.2× Upstart Holdings Inc's market cap, and American Homes 4 Rent Class A pays a 3.87% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals.
| AMH | UPST | |
|---|---|---|
Market Cap | $12.28B | $2.91B |
Sector | Real Estate | Financials |
52-Week High | $35.82 | $73.76 |
52-Week Low | $27.38 | $24.22 |
Enterprise Value | $17.35B | — |
Dividend Yield | 3.87% | — |
Signals from Pluang's Aura AI — not financial advice
AMH trades at $33.73, down 1.17% today, with a bullish technical signal and strong fundamental performance. The company reported Q2 2026 FFO of $0.49 per share, beating estimates, and raised full-year guidance. Revenue growth is steady, with net income margin improving to 25.53% in 2026. Analysts maintain a Moderate Buy consensus with a $36.45 price target, indicating potential upside from current levels.
Outlook is positive due to consistent earnings beats and robust rental demand, but risks include high debt levels and regulatory changes affecting institutional home buying. The stock offers value with a P/E of 27.09 and dividend yield support, though investors should monitor interest rate sensitivity and housing market volatility.
UPST trades at $28.97, down 4.1% today, with a bearish technical signal despite recent Q2 2026 earnings beating estimates. The company returned to GAAP profitability with 42% revenue growth and 50% loan origination growth, though it has missed earnings expectations in three consecutive quarters. Analyst consensus is divided with a $47.20 price target suggesting significant upside potential from current levels.
The outlook remains mixed with strong AI-driven lending growth offset by high valuation metrics (P/E 57.5) and negative cash flow from operations. Key risks include interest rate sensitivity and competitive pressures in fintech lending, while institutional sentiment shows cautious optimism with 45% buy ratings.
Trailing returns across standard periods
American Homes 4 Rent is a real estate investment trust primarily focused on acquiring, operating, and leasing single-family homes as rental properties throughout the United States. The company's real estate portfolio is largely comprised of single-family properties in urban markets in the Southern and Midwestern regions of the U.S. American Homes 4 Rent's land holdings also represent a sizable percentage of its total assets in terms of value. The company derives the vast majority of its income in the form of rental revenue from single-family properties through short-term or annual leases. The firm's largest geographical markets include Dallas, Texas
Read more on AMH →Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The revenue of the company is primarily comprised of fees paid by banks.
Read more on UPST →