Morgan Stanley vs Upstart Holdings Inc — how do they compare? Morgan Stanley trades at $188.6 (market cap $297.95B), while Upstart Holdings Inc trades at $24.31 (market cap $2.34B). The key difference: Morgan Stanley is far larger — about 127.3× Upstart Holdings Inc's market cap, and Morgan Stanley pays a 2.42% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Morgan Stanley for 93 Days and Upstart Holdings Inc for 39 Days on average.
| MS | UPST | |
|---|---|---|
Market Cap | $297.95B | $2.34B |
Volume | 5,030,247 | 3,171,869 |
Sector | Financials | Financials |
52-Week High | $228.42 | $52.74 |
52-Week Low | $151.86 | $22.81 |
Typical Hold Time | 93 Days | 39 Days |
Enterprise Value | $663.67B | $3.87B |
Dividend Yield | 2.42% | — |
Signals from Pluang's Aura AI — not financial advice
Morgan Stanley (MS) trades at $187.41, down 1.86% on the day, with a bearish technical signal but strong fundamentals including a P/E of 15.32 and net income margin of 27.59%. The stock has consistently beaten earnings estimates in recent quarters, with Q3 2026 results pending. Revenue growth is robust, rising from $50.2B in 2022 to $66.0B in 2025, and the company highlights growth opportunities in wealth management and AI financing.
The outlook is supported by a bullish analyst consensus with a $229.25 price target, though risks include volatile cash flows and rising debt-to-asset ratios. Near-term price action is testing support near $184, with investor sentiment mixed amid fading capital markets momentum but positive long-term growth narratives.
Upstart Holdings trades at $24.19, up 1.38% today, but remains in a bearish technical trend with recent earnings misses and volatile cash flows. The company reported revenue of $1.02B in 2025 with a net income of $53.60M, marking a return to profitability after prior losses. Analyst sentiment is mixed with a consensus price target of $39.50, though recent news highlights credit market risks and partnership expansions into HELOC and auto lending.
The outlook hinges on execution in a challenging lending environment; upside exists if AI-driven originations accelerate, but high debt levels and earnings volatility pose significant risks. Investor sentiment is cautious amid sector-wide pressure on fintech stocks.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
Morgan Stanley is a global investment bank whose history, through its legacy firms, can be traced back to 1924. The company has institutional securities, wealth management, and investment management segments. The company had about $5 trillion of client assets as well as over 70,000 employees at the end of 2021. Approximately 50% of the company's net revenue is from its institutional securities business, with the remainder coming from wealth and investment management. The company derives about 30% of its total revenue outside the Americas.
Read more on MS →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 →