O'Reilly Automotive Inc. Common Stock vs Upstart Holdings Inc — how do they compare? O'Reilly Automotive Inc. Common Stock trades at $85.91 (market cap $68.45B), while Upstart Holdings Inc trades at $24.32 (market cap $2.34B). The key difference: O'Reilly Automotive Inc. Common Stock is far larger — about 29.3× Upstart Holdings Inc's market cap, and O'Reilly Automotive Inc. Common Stock is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals.
| ORLY | UPST | |
|---|---|---|
Market Cap | $68.45B | $2.34B |
Volume | 6,667,530 | 3,171,869 |
Sector | Consumer Cyclical | Financials |
52-Week High | $103.05 | $52.74 |
52-Week Low | $82.73 | $22.81 |
Enterprise Value | $77.77B | $3.87B |
Typical Hold Time | — | 39 Days |
Signals from Pluang's Aura AI — not financial advice
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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
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Latest headlines on both assets
O'Reilly Automotive sells automotive aftermarket parts, tools, supplies, equipment, and accessories. It serves both professional service providers and do-it-yourself customers through its store network.
Read more on ORLY →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 →