Global Payments Inc vs Upstart Holdings Inc — how do they compare? Global Payments Inc trades at $82.14 (market cap $21.46B), while Upstart Holdings Inc trades at $24.19 (market cap $2.35B). The key difference: Global Payments Inc is far larger — about 9.1× Upstart Holdings Inc's market cap, and Global Payments Inc pays a 1.23% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Global Payments Inc for 50 Days and Upstart Holdings Inc for 39 Days on average.
| GPN | UPST | |
|---|---|---|
Market Cap | $21.46B | $2.35B |
Volume | 1,482,600 | 4,203,337 |
Sector | Financials | Financials |
52-Week High | $94.83 | $52.74 |
52-Week Low | $62.47 | $22.81 |
Typical Hold Time | 50 Days | 39 Days |
Enterprise Value | $39.60B | $3.88B |
Dividend Yield | 1.23% | — |
Signals from Pluang's Aura AI — not financial advice
Global Payments (GPN) trades at $81.08, down 0.87% on the day, with a bearish technical signal and mixed fundamentals. The stock has beaten earnings estimates for the last three quarters, but 2026 projections show a net loss. Analyst consensus is bullish with a $102.75 price target, though rising debt and competition pose risks.
The outlook hinges on successful integration of Genius and Worldpay platforms to drive growth, but investor caution is warranted due to negative profit margins forecasted for 2026 and high debt levels. Near-term price action is testing key support at $80.
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.
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Global Payments is a leading provider of payment processing and software solutions and focuses on serving small and midsize merchants. The company operates in 30 countries and generates about one fourth of its revenue from outside North America, primarily in Europe and Asia. In 2019, Global Payments merged with Total System Services in an all-stock deal that gave Total System Services shareholders 48% of the combined company's shares.
Read more on GPN →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 →