Compare Expensify Inc (EXFY) vs Upstart Holdings Inc (UPST) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
Expensify Inc vs Upstart Holdings Inc — how do they compare? Expensify Inc trades at $2.4 (market cap $208.82M), while Upstart Holdings Inc trades at $24.2 (market cap $2.35B). The key difference: Upstart Holdings Inc is far larger — about 11.3× Expensify Inc's market cap, and Expensify Inc is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals — on Pluang, investors hold Expensify Inc for 41 Days and Upstart Holdings Inc for 39 Days on average.
| EXFY | UPST | |
|---|---|---|
Market Cap | $208.82M | $2.35B |
Volume | 456,102 | 4,203,337 |
Sector | Technology | Financials |
52-Week High | $2.72 | $52.74 |
52-Week Low | $0.75 | $22.81 |
Typical Hold Time | 41 Days | 39 Days |
Enterprise Value | $148.44M | $3.88B |
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Expensify (EXFY) trades at $2.37, up 4.41% with a neutral technical signal despite bullish moving averages. The company shows mixed fundamentals with a high P/E ratio of 258.82 but improving cash flow trends, with Q2 2026 earnings beating expectations. Recent news highlights strategic integrations with AI-native ERP platforms and European expansion of its corporate card offering, signaling growth initiatives.
The outlook remains speculative with analyst consensus bullish (50% buy ratings) and a $13.75 price target, but negative net income margins and competitive pressures pose risks. Investment opportunity hinges on successful execution of AI-driven products and international growth, while downside risks include sustained profitability challenges and market volatility.
Upstart Holdings trades at $24.24, up 0.9% with a bearish technical signal despite recent earnings misses. The company achieved profitability in 2025 with $1.02B revenue and $53.6M net income, though cash flow from operations remains negative at -$147.7M. Recent news highlights partnership expansions into HELOC and auto lending while the stock faces pressure from broader consumer lending sector weakness.
Upstart's AI lending platform shows revenue growth potential but faces execution risks amid volatile credit markets. Analyst consensus targets $39.50 (63% upside) with mixed ratings, while high P/E of 46.5 suggests premium valuation. The key risk remains the company's loan syndication model during economic downturns.
Returns comparison
Trailing returns across standard periods
Returns comparison
Trailing returns across standard periods
Investor sentiment on Pluang
What Pluang investors did over the last 30 days
Investor sentiment on Pluang
What Pluang investors did over the last 30 days
Top news
Latest headlines on both assets
Top news
Latest headlines on both assets
About Expensify Inc
Expensify Inc is a cloud-based expense management software platform that helps the smallest to the largest businesses simplify the way they manage money. More than 10 million people use Expensify's free features, which include corporate cards, expense tracking, next-day reimbursement, invoicing, bill pay, and travel booking in one app.
Read more on EXFY →About Upstart Holdings Inc
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 →
