NVR Inc. Common Stock vs Upstart Holdings Inc — how do they compare? NVR Inc. Common Stock trades at $5,750 (market cap $15.45B), while Upstart Holdings Inc trades at $22.61 (market cap $2.32B). The key difference: NVR Inc. Common Stock is far larger — about 6.7× Upstart Holdings Inc's market cap, and NVR Inc. Common Stock is more actively traded (53,419 versus 3,123,987). Which is the better fit depends on your goals — on Pluang, investors hold NVR Inc. Common Stock for 0 Days and Upstart Holdings Inc for 39 Days on average.
| NVR | UPST | |
|---|---|---|
Market Cap | $15.45B | $2.32B |
Volume | 53,419 | 3,123,987 |
Sector | Consumer Cyclical | Financials |
52-Week High | $8.10K | $52.74 |
52-Week Low | $5.56K | $22.74 |
Typical Hold Time | 0 Days | 39 Days |
Enterprise Value | $15.36B | $3.85B |
Signals from Pluang's Aura AI — not financial advice
NVR trades at $5,797.61, up 0.83% today, with a P/E of 15.07 and P/S of 1.79. Recent earnings missed estimates in Q1 and Q2 2026, with revenue and net income projected to decline in 2026. The stock faces headwinds from margin pressure and softer homebuyer demand, as highlighted by Zacks naming it Bear of the Day on October 9, 2026. Despite this, strong profitability metrics like a 31.54% ROE and consistent cash flow from operations support its financial resilience.
The outlook is cautious due to earnings misses and a projected revenue drop, but the asset-light model and share buybacks provide stability. Risks include mortgage rate sensitivity and competitive pressures, while analyst consensus leans neutral with a $6,550 price target. Patient investors may find value if housing demand recovers.
UPST trades at $22.74, down 4.25% on the day, with a bearish technical signal and recent earnings misses. Revenue grew to $1.02B in 2025, turning profitable with $53.60M net income, but cash flow from operations remains negative. The stock is trading well below the consensus price target of $38.13, with analysts divided between Buy and Hold ratings.
The outlook is mixed: strong revenue growth and profitability improvements offer upside potential, but persistent cash burn, high debt levels, and sensitivity to credit markets pose significant risks. Investor sentiment is cautious amid recent price declines and sector-wide pressures.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
NVR Inc. is a homebuilder operating through homebuilding and mortgage banking segments, building single-family homes, townhomes, and condominiums under the Ryan Homes, NVHomes, and Heartland Homes brands. It uses a land-light model, acquiring lots through third-party option agreements rather than holding large land inventories, and provides mortgage and title services through NVR Mortgage.
Read more on NVR →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 →