Altria Group Inc vs Upstart Holdings Inc — how do they compare? Altria Group Inc trades at $71.26 (market cap $119.25B), while Upstart Holdings Inc trades at $24.31 (market cap $2.35B). The key difference: Altria Group Inc is far larger — about 50.7× Upstart Holdings Inc's market cap, and Altria Group Inc pays a 6.22% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Altria Group Inc for 154 Days and Upstart Holdings Inc for 39 Days on average.
| MO | UPST | |
|---|---|---|
Market Cap | $119.25B | $2.35B |
Volume | 11,178,169 | 4,203,337 |
Sector | Consumer Staples | Financials |
52-Week High | $74.92 | $52.74 |
52-Week Low | $54.72 | $22.81 |
Typical Hold Time | 154 Days | 39 Days |
Enterprise Value | $141.46B | $3.88B |
Dividend Yield | 6.22% | — |
Signals from Pluang's Aura AI — not financial advice
Altria Group (MO) trades at $69.39, up 1.22% today, with a bullish technical signal from moving averages. The stock shows strong profitability with a 39% net income margin and a 6.6% dividend yield, though recent earnings have been mixed with two misses in the last four quarters. Cash flow improved in 2025 with net cash flow of $1.33 billion, but the balance sheet carries negative equity of -$2.24 billion due to high liabilities.
The outlook is balanced: analyst consensus is bullish with a $69.71 price target, but risks include regulatory pressures on tobacco, declining margins, and high debt. The dividend appears sustainable from cash flow, yet negative equity and business shrinkage pose long-term concerns for income-focused investors.
UPST trades at $24.02, up 0.67% on the day, but remains in a bearish technical trend. The company reported revenue of $1.02B for 2025 with a net income of $53.60M, marking a return to profitability after prior losses. Recent earnings have missed expectations, and cash flow from operations turned negative in 2025. Analyst sentiment is mixed with a consensus price target of $39.50, but technical indicators and recent price action near support levels reflect ongoing investor caution.
The outlook for UPST hinges on its ability to sustain revenue growth and improve earnings consistency amid a challenging credit environment. Opportunities exist if AI-driven lending gains scale, but risks include volatile cash flows, high debt levels, and sensitivity to economic cycles. The stock's current valuation leaves room for upside if execution improves, but near-term pressure persists.
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What Pluang investors did over the last 30 days
Latest headlines on both assets
Altria comprises Philip Morris USA, U.S. Smokeless Tobacco, John Middleton, Helix Innovations, and Philip Morris Capital, although the company plans to wind down Philip Morris Capital by the end of 2022. It holds a 10% interest in the world's largest brewer, Anheuser-Busch InBev. Through its tobacco subsidiaries, Altria holds the leading position in cigarettes and smokeless tobacco in the United States and the number-two spot in machine-made cigars. The company's Marlboro brand is the leading cigarette brand in the U.S. with a 43% share in 2020. Altria holds strategic investments in JUUL Labs (35% economic interest) and Cronos (42%).
Read more on MO →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 →