AT&T Inc. vs Upstart Holdings Inc — how do they compare? AT&T Inc. trades at $23.03 (market cap $167.68B), while Upstart Holdings Inc trades at $24.31 (market cap $2.34B). The key difference: AT&T Inc. is far larger — about 71.7× Upstart Holdings Inc's market cap, and AT&T Inc. pays a 4.54% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold AT&T Inc. for 118 Days and Upstart Holdings Inc for 39 Days on average.
| T | UPST | |
|---|---|---|
Market Cap | $167.68B | $2.34B |
Volume | 27,788,850 | 3,171,869 |
Sector | Media | Financials |
52-Week High | $29.10 | $52.74 |
52-Week Low | $20.49 | $22.81 |
Typical Hold Time | 118 Days | 39 Days |
Enterprise Value | $313.00B | $3.87B |
Dividend Yield | 4.54% | — |
Signals from Pluang's Aura AI — not financial advice
AT&T (T) trades at $24.475, up 0.2% on the day, with a bearish technical signal but strong fundamentals including a low P/E of 8.08 and robust profitability. Recent earnings have consistently beaten estimates, and the company maintains a solid dividend. Cash flow improved significantly in 2025 to $15.12B net, while debt levels remain manageable. News highlights a $3B fiber deal with Corning and joint ventures to expand coverage.
The stock appears undervalued with a consensus price target of $27.61, offering a 13% upside. Key opportunities include fiber expansion and wireless growth, but risks involve intense competition, high debt, and potential dividend sustainability concerns. Analyst sentiment is mixed with 44% buy ratings, suggesting cautious optimism for long-term income investors.
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
AT&T Inc. is a communications holding company. The Company, through its subsidiaries and affiliates, provides local and long-distance phone service, wireless and data communications, Internet access and messaging, IP-based and satellite television, security services, telecommunications equipment, and directory advertising and publishing.
Read more on T →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 →