Compare Paycom Software Inc (PAYC) vs Upstart Holdings Inc (UPST) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
Paycom Software Inc vs Upstart Holdings Inc — how do they compare? Paycom Software Inc trades at $229.92 (market cap $10.36B), while Upstart Holdings Inc trades at $24.27 (market cap $2.35B). The key difference: Paycom Software Inc is far larger — about 4.4× Upstart Holdings Inc's market cap, and Paycom Software Inc pays a 0.65% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Paycom Software Inc for 84 Days and Upstart Holdings Inc for 39 Days on average.
| PAYC | UPST | |
|---|---|---|
Market Cap | $10.36B | $2.35B |
Volume | 666,294 | 4,203,337 |
Sector | Technology | Financials |
52-Week High | $240.52 | $52.74 |
52-Week Low | $113.59 | $22.81 |
Typical Hold Time | 84 Days | 39 Days |
Enterprise Value | $11.15B | $3.88B |
Dividend Yield | 0.65% | — |
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Paycom Software (PAYC) trades at $230.80, up 3.23% with strong technical momentum and bullish moving average signals. The company demonstrates robust fundamentals with 10% revenue growth in Q2 2026, 83.67% gross margins, and consistent earnings beats. Recent institutional buying and positive analyst coverage support the stock's upward trajectory, though valuation multiples remain elevated compared to industry peers.
Outlook remains positive with raised 2026 guidance targeting 7-8% revenue growth and 46% EBITDA margins. Key risks include competitive pressures in payroll software and market volatility. The consensus price target of $207.75 suggests potential downside from current levels despite strong operational performance.
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.
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 Paycom Software Inc
Paycom is a fast-growing provider of payroll and human capital management, or HCM, software primarily targeting clients with 50-10,000 employees in the United States. Paycom was established in 1998 and services about 18,000 clients as of 2021, based on parent company grouping. Alongside its core payroll software, Paycom offers various HCM add-on modules, including time and attendance, talent management, and benefits administration.
Read more on PAYC →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 →
