Schwab US Large Cap Growth ETF vs Upstart Holdings Inc — how do they compare? Schwab US Large Cap Growth ETF trades at $36.74 (market cap $65.01B), while Upstart Holdings Inc trades at $24.1 (market cap $2.35B). The key difference: Schwab US Large Cap Growth ETF is far larger — about 27.7× Upstart Holdings Inc's market cap, and Schwab US Large Cap Growth ETF is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals — on Pluang, investors hold Schwab US Large Cap Growth ETF for 50 Days and Upstart Holdings Inc for 39 Days on average.
| SCHG | UPST | |
|---|---|---|
Market Cap | $65.01B | $2.35B |
Volume | 8,554,399 | 4,203,337 |
Sector | Sector/Thematic | Financials |
52-Week High | $36.93 | $52.74 |
52-Week Low | $28.10 | $22.81 |
Typical Hold Time | 50 Days | 39 Days |
Enterprise Value | — | $3.88B |
Signals from Pluang's Aura AI — not financial advice
SCHG trades at $36.74, down 0.35% on the day, with a bullish technical signal from moving averages and neutral oscillators. The ETF maintains strong institutional interest despite a recent position reduction by Corient Private Wealth. Recent news highlights SCHG's low 0.03% expense ratio and its focus on large-cap growth stocks, though concentration in top holdings remains a structural consideration.
The outlook for SCHG remains positive given its growth orientation and cost efficiency, though investors should monitor concentration risks in top holdings. Market leadership in growth sectors and competitive fees support long-term potential, while sensitivity to tech sector volatility presents the primary near-term risk.
UPST trades at $24.19, up 0.71% with bearish technical signals despite recent partnership expansions. The company shows improving fundamentals with revenue growing to $1.02B in 2025 and achieving profitability with $53.6M net income. However, recent earnings misses and negative operating cash flow of -$147.73M raise concerns. Analyst sentiment remains divided with a $39.50 price target suggesting 63% upside potential from current levels.
The stock presents a high-risk opportunity with significant upside potential if the company can sustain revenue growth and improve cash flow generation. Key risks include ongoing earnings volatility, credit market sensitivity, and high debt levels. The AI lending platform's expansion into HELOC and auto lending could drive future growth, but execution remains critical for investor confidence.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
SCHG is an ETF that seeks to track the total return of the Dow Jones U.S. Large-Cap Growth Total Stock Market Index. The fund provides low-cost exposure to a diversified portfolio of large-capitalization U.S. companies that are classified as growth stocks based on factors such as sales, earnings, and book value growth rates. SCHG is often used by investors seeking long-term capital appreciation from market-leading companies with above-average growth potential.
Read more on SCHG →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 →