Okta, Inc. vs Upstart Holdings Inc — how do they compare? Okta, Inc. trades at $224.54 (market cap $38.50B), while Upstart Holdings Inc trades at $24.3 (market cap $2.35B). The key difference: Okta, Inc. is far larger — about 16.4× Upstart Holdings Inc's market cap, and Okta, Inc. is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals — on Pluang, investors hold Okta, Inc. for 44 Days and Upstart Holdings Inc for 39 Days on average.
| OKTA | UPST | |
|---|---|---|
Market Cap | $38.50B | $2.35B |
Volume | 2,479,621 | 4,203,337 |
Sector | Technology | Financials |
52-Week High | $220.21 | $52.74 |
52-Week Low | $62.93 | $22.81 |
Typical Hold Time | 44 Days | 39 Days |
Enterprise Value | $36.25B | $3.88B |
Signals from Pluang's Aura AI — not financial advice
OKTA trades at $218.00, down slightly by 0.31% on the day, with a bullish technical signal from moving averages and strong quarterly earnings beats. The company reported a net income of $28 million in 2025, marking a significant turnaround from previous losses, while revenue grew to $2.61 billion. Recent news highlights its AI agent security initiatives, including the Blueprint Alliance unveiled at Oktane 2026.
Outlook remains positive with robust analyst support (73.58% buy ratings) and a consensus price target of $201.30, though high valuation ratios and overbought RSI readings pose near-term risks. Long-term growth is supported by identity management demand and AI positioning, but competition and execution challenges are key investor considerations.
Upstart Holdings (UPST) trades at $24.02, up 0.67% with mixed technical signals showing bearish momentum but neutral oscillators. The company reported revenue growth to $1.02B in 2025 with a return to profitability ($53.6M net income), though recent quarters show earnings misses. Analyst sentiment is divided with a $39.50 consensus target, while recent news highlights partnership expansions and sector volatility affecting consumer lending stocks.
The outlook balances AI-driven lending growth against credit market risks and earnings volatility. Investment opportunity lies in valuation upside if execution improves, but risks include debt levels rising to 61.48% of assets and consistent earnings underperformance. The stock's proximity to recent lows suggests cautious investor sentiment amid sector headwinds.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
Okta is a cloud-native security company that focuses on identity and access management. The San Francisco-based firm went public in 2017 and focuses on two key client stakeholder groups: workforces and customers. Okta's workforce offerings enable a company's employees to securely access its cloud-based and on-premises resources. The firm's customer offerings allow its clients' customers to securely access the client's applications.
Read more on OKTA →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 →