MP Materials vs Upstart Holdings Inc — how do they compare? MP Materials trades at $54.53 (market cap $9.86B), while Upstart Holdings Inc trades at $26.01 (market cap $2.63B). The key difference: MP Materials is far larger — about 3.7× Upstart Holdings Inc's market cap, and MP Materials is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals.
| MP | UPST | |
|---|---|---|
Market Cap | $9.86B | $2.63B |
Sector | Industrials | Financials |
52-Week High | $98.65 | $68.11 |
52-Week Low | $38.10 | $24.22 |
Enterprise Value | $9.34B | — |
Signals from Pluang's Aura AI — not financial advice
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Upstart Holdings (UPST) trades at $26.98, down 3.81% on the day, reflecting bearish technical momentum and recent earnings misses. The stock shows oversold conditions with an RSI of 18.98, while fundamentals indicate a turnaround with 2025 net income of $53.60M on $1.02B revenue, marking its first annual profit. Analyst sentiment is mixed with a 45.46% buy rating and $47.20 consensus target, but insider selling and weak cash flow from operations pose concerns.
The outlook hinges on execution in personal loan growth and AI lending efficiency, but risks include high debt-to-asset ratio of 61.48% and macroeconomic sensitivity. Near-term resistance at $28 challenges upside, while support at $26 may stabilize declines if earnings improve in Q3 2026.
Trailing returns across standard periods
MP Materials mines, refines, and manufactures rare earth materials and magnets in the United States. Its products are used in transportation, energy, robotics, defense, and aerospace applications.
Read more on MP →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 →