Cognizant Technology Solutions Corp vs Upstart Holdings Inc — how do they compare? Cognizant Technology Solutions Corp trades at $60.2 (market cap $27.03B), while Upstart Holdings Inc trades at $24.41 (market cap $2.35B). The key difference: Cognizant Technology Solutions Corp is far larger — about 11.5× Upstart Holdings Inc's market cap, and Cognizant Technology Solutions Corp pays a 2.2% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Cognizant Technology Solutions Corp for 57 Days and Upstart Holdings Inc for 39 Days on average.
| CTSH | UPST | |
|---|---|---|
Market Cap | $27.03B | $2.35B |
Volume | 9,883,888 | 4,203,337 |
Sector | Technology | Financials |
52-Week High | $86.70 | $52.74 |
52-Week Low | $38.73 | $22.81 |
Typical Hold Time | 57 Days | 39 Days |
Enterprise Value | $28.08B | $3.88B |
Dividend Yield | 2.2% | — |
Signals from Pluang's Aura AI — not financial advice
Cognizant Technology Solutions (CTSH) trades at $57.07, down 0.26% on the day, with a bearish technical signal from moving averages. The company reported revenue of $21.11B in 2025 with a net income margin of 10.26%, and recent quarterly earnings have mostly beaten expectations. Analysts maintain a consensus price target of $64.25, with 45.1% recommending a buy. Positive news includes AI partnerships and workplace recognitions, but cash flow trends show volatility.
CTSH presents a mixed outlook: undervalued fundamentals with a P/E of 12.88 and strong profitability support upside potential, but technical weakness and competitive IT spending pressures pose risks. The stock's performance hinges on Q3 2026 earnings results due October 29, 2026, which could validate AI-driven growth initiatives or exacerbate bearish sentiment.
Upstart Holdings (UPST) trades at $24.02, up 0.67% with mixed technical signals showing bearish momentum but neutral oscillators. The company reported revenue growth to $1.02B in 2025 with a return to profitability ($53.6M net income), though recent quarters show earnings misses. Analyst sentiment is divided with a $39.50 consensus target, while recent news highlights partnership expansions and sector volatility affecting consumer lending stocks.
The outlook balances AI-driven lending growth against credit market risks and earnings volatility. Investment opportunity lies in valuation upside if execution improves, but risks include debt levels rising to 61.48% of assets and consistent earnings underperformance. The stock's proximity to recent lows suggests cautious investor sentiment amid sector headwinds.
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Latest headlines on both assets
Cognizant is a global IT services provider, offering consulting and outsourcing services to some of the world's largest enterprises spanning the financial services, media and communications, healthcare, natural resources, and consumer products industries. Cognizant employs nearly 300,000 people globally, roughly 70% of whom are in India, although the company's headquarters are in Teaneck, New Jersey.
Read more on CTSH →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 →