Norwegian Cruise Line Holdings Ltd vs Upstart Holdings Inc — how do they compare? Norwegian Cruise Line Holdings Ltd trades at $19.42 (market cap $8.95B), while Upstart Holdings Inc trades at $29.36 (market cap $2.76B). The key difference: Norwegian Cruise Line Holdings Ltd is far larger — about 3.2× Upstart Holdings Inc's market cap, and Norwegian Cruise Line Holdings Ltd is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals.
| NCLH | UPST | |
|---|---|---|
Market Cap | $8.95B | $2.76B |
Sector | Consumer Cyclical | Financials |
52-Week High | $26.94 | $84.13 |
52-Week Low | $14.79 | $24.22 |
Enterprise Value | $23.92B | — |
Signals from Pluang's Aura AI — not financial advice
No Aura AI signal available yet.
Upstart Holdings (UPST) trades at $29.27, down 0.81% on the day, with a bearish technical signal but improving fundamentals. The company reported a net income of $53.60 million in 2025, marking a significant turnaround from prior losses. Recent news highlights AI-driven lending growth and a $600 million funding deal with Neuberger Berman, though quarterly earnings have been mixed with a recent miss in Q1 2026.
The stock presents a high-risk, high-reward opportunity, supported by analyst consensus targets near $42.00 but challenged by volatile cash flows and rising debt. Key risks include execution on new loan products and macroeconomic sensitivity, while institutional sentiment remains divided with a 45% buy rating. Near-term direction hinges on Q2 2026 results due August 4, 2026.
Trailing returns across standard periods
Norwegian Cruise Line is the world's third-largest cruise company by berths (at more than 62,000), operating 29 ships across three brands (Norwegian, Oceania, and Regent Seven Seas), offering both freestyle and luxury cruising. The company has redeployed its entire fleet as of May 2022. With eight passenger vessels on order among its brands through 2027 (representing 20,000 incremental berths), Norwegian is increasing capacity faster than its peers, expanding its brand globally. Norwegian sailed to around 500 global destinations before the pandemic.
Read more on NCLH →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 →