CF Industries Holdings, Inc. vs Upstart Holdings Inc — how do they compare? CF Industries Holdings, Inc. trades at $117.34 (market cap $17.83B), while Upstart Holdings Inc trades at $30.31 (market cap $2.91B). The key difference: CF Industries Holdings, Inc. is far larger — about 6.1× Upstart Holdings Inc's market cap, and CF Industries Holdings, Inc. pays a 2.04% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals.
| CF | UPST | |
|---|---|---|
Market Cap | $17.83B | $2.91B |
Sector | Basic Materials | Financials |
52-Week High | $137.55 | $73.76 |
52-Week Low | $76.08 | $24.22 |
Enterprise Value | $18.96B | — |
Dividend Yield | 2.04% | — |
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
CF Industries is a leading producer and distributor of nitrogen fertilizers. The company operates seven nitrogen facilities in North America and holds joint venture interests in further production capacity in the United Kingdom and Trinidad and Tobago. CF makes nitrogen primarily using low-cost U.S. natural gas as its feedstock, making CF one of the lowest-cost nitrogen producers globally.
Read more on CF →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 →