PAGSEG Inc vs Upstart Holdings Inc — how do they compare? PAGSEG Inc trades at $10.83 (market cap $2.94B), while Upstart Holdings Inc trades at $23.92 (market cap $2.35B). The key difference: PAGSEG Inc is the larger of the two by market cap, and PAGSEG Inc pays a 10.49% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold PAGSEG Inc for 26 Days and Upstart Holdings Inc for 39 Days on average.
| PAGS | UPST | |
|---|---|---|
Market Cap | $2.94B | $2.35B |
Volume | 4,242,708 | 4,203,337 |
Sector | Industrials | Financials |
52-Week High | $12.00 | $52.74 |
52-Week Low | $8.44 | $22.81 |
Typical Hold Time | 26 Days | 39 Days |
Enterprise Value | $11.02B | $3.88B |
Dividend Yield | 10.49% | — |
Signals from Pluang's Aura AI — not financial advice
PAGS trades at $10.81, up 2.81% today, with a bullish technical signal from moving averages. The stock shows strong valuation metrics with a P/E of 7.1 and P/S of 0.74, supported by a 10.45% net income margin and recent earnings beats. A dividend of $0.28 is scheduled for September 2026, enhancing income appeal. Revenue growth remains steady, with 2026 guidance maintained despite a challenging macro environment.
Outlook is positive with analyst consensus at Buy (62.5%) and a $10.70 price target, though risks include elevated credit losses and Brazilian interest rate volatility. The stock's low valuation and dividend yield present a value opportunity, but investors must monitor execution on credit quality and banking 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
PagSeguro Digital Ltd. is a leading provider of financial technology solutions in Brazil, primarily focused on e-commerce, face-to-face transactions, and financial services. The company's main offerings include PagBank, a digital banking platform, and PagSeguro, a suite of payment processing solutions that includes point-of-sale devices and online payment gateways. PAGS targets micro-merchants, small and medium-sized enterprises (SMEs), and consumers, aiming to democratize access to financial services in the country.
Read more on PAGS →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 →