Compare Oxford Lane Capital Corp (OXLC) vs Upstart Holdings Inc (UPST) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
Oxford Lane Capital Corp vs Upstart Holdings Inc — how do they compare? Oxford Lane Capital Corp trades at $8.68 (market cap $835.71M), while Upstart Holdings Inc trades at $24.19 (market cap $2.35B). The key difference: Upstart Holdings Inc is far larger — about 2.8× Oxford Lane Capital Corp's market cap, and Oxford Lane Capital Corp pays a 28.15% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Oxford Lane Capital Corp for 49 Days and Upstart Holdings Inc for 39 Days on average.
| OXLC | UPST | |
|---|---|---|
Market Cap | $835.71M | $2.35B |
Volume | 1,125,263 | 4,203,337 |
Sector | Financials | Financials |
52-Week High | $16.74 | $52.74 |
52-Week Low | $8.15 | $22.81 |
Typical Hold Time | 49 Days | 39 Days |
Enterprise Value | $1.23B | $3.88B |
Dividend Yield | 28.15% | — |
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
OXLC trades at $8.535, up 0.89% on the day, with a bearish technical signal from moving averages. The stock shows a low P/B of 0.81 and a high net income margin of 100.85% for 2025, but recent earnings misses and a sharp decline in 2026 revenue and net profit to negative figures highlight significant volatility. The company maintains a regular dividend payout of $0.20 monthly, supported by financing activities, but faces challenges from operational cash outflows and negative ROE/ROA.
Outlook is cautious due to earnings instability and bearish technicals, though the dividend yield may attract income seekers. Key risks include sustained operational losses, high interest expenses, and reliance on financing for dividends. Analyst consensus is mixed with 50% buy ratings, indicating divided sentiment on recovery potential amid current headwinds.
Upstart Holdings trades at $24.24, up 0.9% with a bearish technical signal despite recent earnings misses. The company achieved profitability in 2025 with $1.02B revenue and $53.6M net income, though cash flow from operations remains negative at -$147.7M. Recent news highlights partnership expansions into HELOC and auto lending while the stock faces pressure from broader consumer lending sector weakness.
Upstart's AI lending platform shows revenue growth potential but faces execution risks amid volatile credit markets. Analyst consensus targets $39.50 (63% upside) with mixed ratings, while high P/E of 46.5 suggests premium valuation. The key risk remains the company's loan syndication model during economic downturns.
Returns comparison
Trailing returns across standard periods
Returns comparison
Trailing returns across standard periods
Investor sentiment on Pluang
What Pluang investors did over the last 30 days
Investor sentiment on Pluang
What Pluang investors did over the last 30 days
Top news
Latest headlines on both assets
Top news
Latest headlines on both assets
About Oxford Lane Capital Corp
Oxford Lane Capital Corp. is a non-diversified, closed-end management investment company. Its primary investment objective is to achieve high current income, with a secondary objective of capital appreciation. The company primarily invests in equity and junior debt tranches of collateralized loan obligations (CLOs), which are pools of corporate loans. OXLC is known for its high-yield distribution policy and provides investors with leveraged exposure to the CLO market.
Read more on OXLC →About Upstart Holdings Inc
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 →
