Sea Limited vs Upstart Holdings Inc — how do they compare? Sea Limited trades at $95.15 (market cap $56.89B), while Upstart Holdings Inc trades at $24.31 (market cap $2.35B). The key difference: Sea Limited is far larger — about 24.2× Upstart Holdings Inc's market cap, and Sea Limited 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 Sea Limited for 102 Days and Upstart Holdings Inc for 39 Days on average.
| SE | UPST | |
|---|---|---|
Market Cap | $56.89B | $2.35B |
Volume | 5,359,457 | 4,203,337 |
Sector | Consumer Cyclical | Financials |
52-Week High | $188.00 | $52.74 |
52-Week Low | $78.16 | $22.81 |
Typical Hold Time | 102 Days | 39 Days |
Enterprise Value | $51.92B | $3.88B |
Signals from Pluang's Aura AI — not financial advice
Sea Limited (SE) trades at $94.66, down 1.94% on the day, with technical indicators showing bearish momentum despite oversold RSI readings. The company demonstrates strong fundamental progress with revenue growing from $12.4B in 2022 to $22.9B in 2025 and achieving profitability, though recent Q4 2025 earnings missed expectations. Analyst sentiment remains overwhelmingly positive with 31 buy ratings and a $153.67 consensus price target, representing significant upside potential from current levels.
Sea presents a compelling growth story with expanding profitability and strong e-commerce momentum, though execution risks and competitive pressures persist. The stock's current valuation at 36.55x P/E reflects growth expectations, while technical weakness suggests potential near-term consolidation. Institutional confidence remains high despite recent insider selling activity.
UPST trades at $24.02, up 0.67% on the day, but remains in a bearish technical trend. The company reported revenue of $1.02B for 2025 with a net income of $53.60M, marking a return to profitability after prior losses. Recent earnings have missed expectations, and cash flow from operations turned negative in 2025. Analyst sentiment is mixed with a consensus price target of $39.50, but technical indicators and recent price action near support levels reflect ongoing investor caution.
The outlook for UPST hinges on its ability to sustain revenue growth and improve earnings consistency amid a challenging credit environment. Opportunities exist if AI-driven lending gains scale, but risks include volatile cash flows, high debt levels, and sensitivity to economic cycles. The stock's current valuation leaves room for upside if execution improves, but near-term pressure persists.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
Sea Limited offers information technology services. The Company provides online personal computer and mobile digital content, e-commerce, and payment platforms. Sea serves customers worldwide.
Read more on SE →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 →