TAL Education Group American Depositary Shares vs Upstart Holdings Inc — how do they compare? TAL Education Group American Depositary Shares trades at $12.49 (market cap $6.93B), while Upstart Holdings Inc trades at $24.48 (market cap $2.35B). The key difference: TAL Education Group American Depositary Shares is far larger — about 2.9× Upstart Holdings Inc's market cap, and TAL Education Group American Depositary Shares 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 TAL Education Group American Depositary Shares for 0 Days and Upstart Holdings Inc for 39 Days on average.
| TAL | UPST | |
|---|---|---|
Market Cap | $6.93B | $2.35B |
Volume | 2,470,140 | 4,203,337 |
Sector | Consumer Staples | Financials |
52-Week High | $12.91 | $52.74 |
52-Week Low | $8.95 | $22.81 |
Typical Hold Time | 0 Days | 39 Days |
Enterprise Value | $4.46B | $3.88B |
Signals from Pluang's Aura AI — not financial advice
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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.
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Latest headlines on both assets
TAL Education Group provides smart learning solutions in China. Its offerings combine teaching content, technology, and learning services through various online and offline formats.
Read more on TAL →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 →