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 $2.27 (market cap $209.73M), while Upstart Holdings Inc trades at $29.04 (market cap $2.91B). The key difference: Upstart Holdings Inc is far larger — about 13.9× 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.
| EXFY | UPST | |
|---|---|---|
Market Cap | $209.73M | $2.91B |
Sector | Technology | Financials |
52-Week High | $2.69 | $73.76 |
52-Week Low | $0.75 | $24.22 |
Enterprise Value | $149.35M | — |
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
EXFY trades at $2.27, down 8.1% today, with a bullish technical signal from moving averages. The company reported Q2 2026 revenue of $33.9 million with improved profitability and cash flow, beating EPS expectations. Recent news highlights expansion into Europe and AI product enhancements. Valuation ratios show a high P/E of 258.82 but reasonable P/S of 1.56, while profitability metrics remain negative.
Outlook is cautiously optimistic due to earnings beats and strategic growth initiatives, but risks include persistent net losses and competitive pressures. Analyst sentiment is mixed with a Buy consensus but requires monitoring of margin improvements.
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.
Returns comparison
Trailing returns across standard periods
Returns comparison
Trailing returns across standard periods
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 →
