Paychex, Inc. vs Upstart Holdings Inc — how do they compare? Paychex, Inc. trades at $111.32 (market cap $39.82B), while Upstart Holdings Inc trades at $28.65 (market cap $2.80B). The key difference: Paychex, Inc. is far larger — about 14.2× Upstart Holdings Inc's market cap, and Paychex, Inc. pays a 4.25% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals.
| PAYX | UPST | |
|---|---|---|
Market Cap | $39.82B | $2.80B |
Sector | Industrials | Financials |
52-Week High | $147.99 | $84.13 |
52-Week Low | $85.57 | $24.22 |
Enterprise Value | $43.31B | — |
Dividend Yield | 4.25% | — |
Signals from Pluang's Aura AI — not financial advice
Paychex (PAYX) trades at $111.96, down 2.12% on the day, with technical indicators showing a bullish trend despite overbought RSI readings. The company maintains strong profitability with 27.03% net margins and has beaten earnings estimates for three consecutive quarters. Recent dividend declarations of $1.19 per share and positive small business job growth data support the investment case.
The outlook remains positive with steady revenue growth and AI expansion driving future earnings. Key risks include macroeconomic headwinds affecting small business hiring and elevated valuation multiples. Analyst consensus is mixed with a $110 price target slightly below current levels, suggesting cautious optimism amid strong fundamentals.
No Aura AI signal available yet.
Trailing returns across standard periods
Latest headlines on both assets
Paychex is a leading provider of payroll, human capital management, and insurance solutions servicing small and midsize clients primarily in the United States. The company, established in 1979, services over 730,000 clients and pays over 1 in 12 U.S. private-sector workers. Alongside its traditional payroll services, Paychex offers HCM solutions such as benefits administration and time and attendance software, as well as human resources outsourcing and insurance agency services.
Read more on PAYX →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 →