HSBC Holdings plc vs Upstart Holdings Inc — how do they compare? HSBC Holdings plc trades at $92.78 (market cap $311.92B), while Upstart Holdings Inc trades at $24.26 (market cap $2.35B). The key difference: HSBC Holdings plc is far larger — about 132.7× Upstart Holdings Inc's market cap, and HSBC Holdings plc pays a 4.05% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold HSBC Holdings plc for 36 Days and Upstart Holdings Inc for 39 Days on average.
| HSBC | UPST | |
|---|---|---|
Market Cap | $311.92B | $2.35B |
Volume | 3,546,658 | 4,203,337 |
Sector | Financials | Financials |
52-Week High | $107.86 | $52.74 |
52-Week Low | $65.67 | $22.81 |
Typical Hold Time | 36 Days | 39 Days |
Enterprise Value | $222.19B | $3.88B |
Dividend Yield | 4.05% | — |
Signals from Pluang's Aura AI — not financial advice
HSBC trades at $92.80, down 0.97% with bearish technical signals. The stock shows strong profitability with 34.54% net margin and reasonable valuation at 13.23 P/E. Recent earnings were mixed with Q2 beat but Q1 miss. Analyst sentiment is cautious with 38% buy ratings. The bank is expanding in technology banking and US wealth services while restructuring European operations.
HSBC offers value with solid fundamentals but faces near-term headwinds from technical weakness and mixed earnings performance. Growth opportunities in Asian markets and wealth management balance risks from European restructuring and CFO transition in 2027.
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.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
HSBC is one of the world's largest banking and financial services organizations. It serves customers worldwide through four global businesses: Retail, Commercial, Global Banking, and Private Banking.
Read more on HSBC →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 →