OneSpan Inc vs Upstart Holdings Inc — how do they compare? OneSpan Inc trades at $17.96 (market cap $662.97M), while Upstart Holdings Inc trades at $23.96 (market cap $2.35B). The key difference: Upstart Holdings Inc is far larger — about 3.5× OneSpan Inc's market cap, and OneSpan Inc pays a 2.89% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold OneSpan Inc for 18 Days and Upstart Holdings Inc for 39 Days on average.
| OSPN | UPST | |
|---|---|---|
Market Cap | $662.97M | $2.35B |
Volume | 616,882 | 4,203,337 |
Sector | Technology | Financials |
52-Week High | $18.42 | $52.74 |
52-Week Low | $10.15 | $22.81 |
Typical Hold Time | 18 Days | 39 Days |
Enterprise Value | $632.05M | $3.88B |
Dividend Yield | 2.89% | — |
Signals from Pluang's Aura AI — not financial advice
OneSpan (OSPN) trades at $17.70, down 3.7% in the last session, but maintains strong fundamentals with consistent earnings beats and robust profitability. The stock shows a bullish technical signal with support at $17 and resistance at $18. Recent Q2 2026 results exceeded expectations with EPS of $0.30 versus $0.231 expected, while the company introduced new authentication technology to drive future growth.
The outlook remains positive given strong analyst support (66.7% buy ratings) and solid financial metrics, though investors should monitor declining cash flow trends and competitive pressures in the cybersecurity sector. The stock presents value opportunity with P/E of 10.16 and ROE of 26.51%, but faces execution risks in maintaining subscription revenue growth.
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
OneSpan Inc. is a global leader in providing digital agreement security solutions. The company's platform helps organizations, primarily in the financial services sector, to secure their digital agreements and transactions, including e-signatures, multi-factor authentication, and transaction monitoring. OneSpan's technology is focused on protecting customers from fraud and meeting regulatory compliance requirements in a digital-first environment.
Read more on OSPN →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 →