Kroger Co vs Upstart Holdings Inc — how do they compare? Kroger Co trades at $61.64 (market cap $36.27B), while Upstart Holdings Inc trades at $24.1 (market cap $2.35B). The key difference: Kroger Co is far larger — about 15.4× Upstart Holdings Inc's market cap, and Kroger Co pays a 2.54% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Kroger Co for 108 Days and Upstart Holdings Inc for 39 Days on average.
| KR | UPST | |
|---|---|---|
Market Cap | $36.27B | $2.35B |
Volume | 8,301,523 | 4,203,337 |
Sector | Consumer Staples | Financials |
52-Week High | $75.60 | $52.74 |
52-Week Low | $55.53 | $22.81 |
Typical Hold Time | 108 Days | 39 Days |
Enterprise Value | $57.69B | $3.88B |
Dividend Yield | 2.54% | — |
Signals from Pluang's Aura AI — not financial advice
Kroger (KR) trades at $61.41, up 3.65% with a bullish technical signal and positive analyst sentiment. The stock shows strong fundamentals with $147.12B revenue, 23.11% gross margins, and consistent dividend payments. Recent earnings beat expectations in Q2 2026, while Q1 2026 slightly missed. Technical indicators show the stock trading near pivot point resistance at $62 with solid support at $59-60 levels. The company maintains robust cash flow generation with $5.79B from operations in 2025.
Kroger presents a compelling investment case with attractive valuation (P/S 0.26), strong analyst support (47.72% buy ratings), and $70.62 consensus price target offering 15% upside. Key risks include integration challenges with Giant Eagle acquisition, cost pressures affecting 2026 margins, and competitive threats from Walmart. The stock's digital growth initiatives and retail media expansion provide growth catalysts, though investors should monitor identical sales performance and acquisition integration progress.
Upstart Holdings trades at $24.19, up 0.71% with bearish technical signals despite recent partnership expansions. The company achieved profitability in 2025 with $1.02B revenue and $53.6M net income, though recent quarters show earnings misses. Valuation ratios remain elevated with P/E of 46.52 and P/S of 2.1, while analyst consensus targets $39.50 with mixed sentiment.
The stock faces near-term pressure from technical weakness and earnings volatility, but long-term potential exists through AI-driven lending expansion and new auto/HELOC partnerships. Key risks include credit market sensitivity, rising debt levels, and competitive fintech landscape. Current price near recent lows presents opportunity for patient investors despite operational cash flow challenges.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
Kroger is the leading American grocer, with 2,726 supermarkets operating under several banners throughout the country as of the end of fiscal 2021. Around 83% of stores have pharmacies, while nearly 60% also sell fuel. The company also operates roughly 120 fine jewelry stores. Kroger features a leading private-label offering and manufactures around 30% of its own-brand units (and more than 40% of its grocery own-label assortment) itself, in 33 food production plants nationwide. Kroger is a top-two grocer in most of its major markets (as of early 2021, according to company data). Virtually all of Kroger's sales come from the United States.
Read more on KR →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 →