Bill.com Holdings Inc vs Upstart Holdings Inc — how do they compare? Bill.com Holdings Inc trades at $49.11 (market cap $4.93B), while Upstart Holdings Inc trades at $30.25 (market cap $2.91B). The key difference: Bill.com Holdings Inc is the larger of the two by market cap, and Bill.com Holdings Inc is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals.
| BILL | UPST | |
|---|---|---|
Market Cap | $4.93B | $2.91B |
Sector | Technology | Financials |
52-Week High | $56.32 | $73.76 |
52-Week Low | $31.96 | $24.22 |
Enterprise Value | $4.64B | — |
Signals from Pluang's Aura AI — not financial advice
No Aura AI signal available yet.
Upstart Holdings trades at $30.21, down 2.83% on the day, with a bullish technical signal supported by moving averages despite recent earnings misses. The company achieved a significant turnaround with $53.6M net income in 2025 after years of losses, driven by 42% revenue growth in Q2 2026. Analyst consensus remains positive with a $47.20 price target, though debt levels have risen to 61.48% of assets.
The outlook balances strong AI-driven loan growth against execution risks and high valuation. Near-term catalysts include the upcoming bank launch and sustained origination growth, while macroeconomic sensitivity and competitive pressures present ongoing challenges for the lending platform.
Trailing returns across standard periods
Latest headlines on both assets
Bill.com Holdings Inc is a provider of cloud-based software that simplifies, digitizes, and automates financial operations for SMBs. Its artificial-intelligence enabled financial software platform used mostly to build connections between customers, suppliers, and clients. The company's platform generates and process invoices, streamline approvals, send and receive payments, sync with their accounting system, and manage their cash. The firm generates revenue through subscription and transaction fees.
Read more on BILL →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 →