Ross Stores, Inc. vs Upstart Holdings Inc — how do they compare? Ross Stores, Inc. trades at $251.3 (market cap $80.78B), while Upstart Holdings Inc trades at $29.96 (market cap $2.91B). The key difference: Ross Stores, Inc. is far larger — about 27.8× Upstart Holdings Inc's market cap, and Ross Stores, Inc. pays a 0.71% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals.
| ROST | UPST | |
|---|---|---|
Market Cap | $80.78B | $2.91B |
Sector | Consumer Cyclical | Financials |
52-Week High | $255.23 | $73.76 |
52-Week Low | $144.67 | $24.22 |
Enterprise Value | $81.37B | — |
Dividend Yield | 0.71% | — |
Signals from Pluang's Aura AI — not financial advice
No Aura AI signal available yet.
Upstart Holdings trades at $30.21, down 2.83% on the day, with a bullish technical signal supported by moving averages despite recent earnings misses. The company achieved a significant turnaround with $53.6M net income in 2025 after years of losses, driven by 42% revenue growth in Q2 2026. Analyst consensus remains positive with a $47.20 price target, though debt levels have risen to 61.48% of assets.
The outlook balances strong AI-driven loan growth against execution risks and high valuation. Near-term catalysts include the upcoming bank launch and sustained origination growth, while macroeconomic sensitivity and competitive pressures present ongoing challenges for the lending platform.
Trailing returns across standard periods
Ross Stores is a leading American off-price apparel and home fashion retailer, operating over 1,920 stores (at the end of fiscal 2021) across the Ross Dress for Less and dd's Discounts banners. Ross offers a variety of name-brand products and targets undercutting conventional retailers' regular prices by 20%-70%. The company uses an opportunistic, flexible merchandising approach
Read more on ROST →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 →