Shopify Inc. vs Upstart Holdings Inc — how do they compare? Shopify Inc. trades at $165.78 (market cap $211.73B), while Upstart Holdings Inc trades at $24.48 (market cap $2.35B). The key difference: Shopify Inc. is far larger — about 90.1× Upstart Holdings Inc's market cap, and Shopify Inc. 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 Shopify Inc. for 78 Days and Upstart Holdings Inc for 39 Days on average.
| SHOP | UPST | |
|---|---|---|
Market Cap | $211.73B | $2.35B |
Volume | 7,146,651 | 4,203,337 |
Sector | Technology | Financials |
52-Week High | $179.01 | $52.74 |
52-Week Low | $95.40 | $22.81 |
Typical Hold Time | 78 Days | 39 Days |
Enterprise Value | $206.96B | $3.88B |
Signals from Pluang's Aura AI — not financial advice
SHOP trades at $165.94, up 0.88% with strong bullish momentum near its consensus price target of $168.63. The stock shows robust revenue growth from $5.6B in 2022 to $11.6B in 2025, with net income turning positive to $1.23B. Technical indicators show bullish moving averages but overbought RSI levels, while fundamental valuation remains elevated with P/E of 111.19. Recent developments include Shopify's AI-powered Canvas platform launch and strategic positioning in the AI commerce space.
Outlook remains positive with 67% analyst buy ratings and projected revenue growth to $13.3B in 2026. Key opportunities include merchant solutions growth and AI integration, while risks include high valuation multiples and competitive pressures from Amazon. The stock presents growth potential but requires monitoring of execution and market sentiment shifts.
Upstart Holdings (UPST) trades at $24.02, up 0.67% with mixed technical signals showing bearish momentum but neutral oscillators. The company reported revenue growth to $1.02B in 2025 with a return to profitability ($53.6M net income), though recent quarters show earnings misses. Analyst sentiment is divided with a $39.50 consensus target, while recent news highlights partnership expansions and sector volatility affecting consumer lending stocks.
The outlook balances AI-driven lending growth against credit market risks and earnings volatility. Investment opportunity lies in valuation upside if execution improves, but risks include debt levels rising to 61.48% of assets and consistent earnings underperformance. The stock's proximity to recent lows suggests cautious investor sentiment amid sector headwinds.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
Shopify Inc. provides a cloud-based commerce platform. The Company offers a platform for merchants to create an omni-channel experience that helps showcase the merchant's brand.
Read more on SHOP →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 →