Compare Paychex, Inc. (PAYX) vs Upstart Holdings Inc (UPST) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
Paychex, Inc. vs Upstart Holdings Inc — how do they compare? Paychex, Inc. trades at $104.11 (market cap $37.19B), while Upstart Holdings Inc trades at $24.09 (market cap $2.35B). The key difference: Paychex, Inc. is far larger — about 15.8× Upstart Holdings Inc's market cap, and Paychex, Inc. pays a 4.56% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Paychex, Inc. for 56 Days and Upstart Holdings Inc for 39 Days on average.
| PAYX | UPST | |
|---|---|---|
Market Cap | $37.19B | $2.35B |
Volume | 3,344,316 | 4,203,337 |
Sector | Industrials | Financials |
52-Week High | $128.59 | $52.74 |
52-Week Low | $85.57 | $22.81 |
Typical Hold Time | 56 Days | 39 Days |
Enterprise Value | $40.87B | $3.88B |
Dividend Yield | 4.56% | — |
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Paychex (PAYX) trades at $104.62, up 3.02% today, with a mixed technical outlook showing bullish overall signals but bearish moving averages. The company reported strong earnings beats in recent quarters, with Q2 2026 EPS of $1.34 beating the $1.32 estimate, and maintains robust profitability with a 27.35% net income margin. Recent news highlights a 14% stock decline despite earnings strength, raising questions about dividend sustainability amid investor focus on cash flow.
The outlook is cautiously optimistic, with a consensus price target of $111 suggesting modest upside. Key opportunities include steady revenue growth and high margins, but risks involve labor market sensitivity and elevated valuation multiples. The stock's recent volatility reflects divergent analyst views, with 67.74% holding a neutral rating.
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
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Top news
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About Paychex, Inc.
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 →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 →
