TJX Companies Inc vs Upstart Holdings Inc — how do they compare? TJX Companies Inc trades at $138.86 (market cap $152.62B), while Upstart Holdings Inc trades at $24.08 (market cap $2.35B). The key difference: TJX Companies Inc is far larger — about 64.9× Upstart Holdings Inc's market cap, and TJX Companies Inc pays a 1.38% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold TJX Companies Inc for 97 Days and Upstart Holdings Inc for 39 Days on average.
| TJX | UPST | |
|---|---|---|
Market Cap | $152.62B | $2.35B |
Volume | 8,079,794 | 4,203,337 |
Sector | Consumer Cyclical | Financials |
52-Week High | $168.41 | $52.74 |
52-Week Low | $122.84 | $22.81 |
Typical Hold Time | 97 Days | 39 Days |
Enterprise Value | $160.93B | $3.88B |
Dividend Yield | 1.38% | — |
Signals from Pluang's Aura AI — not financial advice
TJX trades at $138.76, down slightly by 0.03% on the day, with a bullish technical signal from moving averages but overbought RSI readings. The company shows strong fundamentals, with revenue rising to $56.36B in 2025 and net income reaching $4.86B, alongside robust profitability metrics like a 62.17% ROE. Recent quarterly earnings have consistently beaten expectations, and the firm maintains a solid balance sheet with manageable debt levels.
The outlook for TJX is positive, supported by Wall Street's strong buy consensus (84.9% buy ratings) and a $174.15 price target implying 28% upside. Key risks include competitive pressures in off-price retail and sensitivity to consumer spending trends. Investor sentiment is buoyed by earnings momentum and expansion potential, though overbought technical conditions may prompt near-term volatility.
Upstart Holdings (UPST) trades at $24.10, showing modest daily gains but facing technical bearish signals. The company achieved profitability in 2025 with $1.02B revenue and $53.6M net income, though recent quarters show earnings misses. Analyst sentiment is mixed with a $39.50 price target, while technical indicators suggest near-term resistance at $25. Recent news highlights partnership expansions and securitization activity amid sector-wide pressure on consumer lending stocks.
UPST presents a turnaround story with improving fundamentals but faces execution risks in a challenging lending environment. The stock trades below analyst targets offering potential upside, though volatility remains high given recent earnings misses and competitive pressures. Key catalysts include AI lending platform adoption and credit market stability, while risks involve credit quality deterioration and macroeconomic headwinds affecting loan demand.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
TJX is a leading off-price retailer of apparel, home fashions, and other merchandise. It sells a variety of branded goods, opportunistically buying inventory from a network of over 21,000 vendors worldwide. TJX targets undercutting conventional retailers' regular prices by 20%-60%, capitalizing on a flexible merchandising network, relatively low-frills stores, and a treasure-hunt shopping experience to drive margins and inventory turnover. TJX derived 79% of fiscal 2022 revenue from the United States, with 11% from Europe (mostly the United Kingdom and Germany), 9% from Canada, and the remainder from Australia. The company operated 4,689 stores at the end of fiscal 2022 under the T.J. Maxx, T.K. Maxx, Marshalls, HomeGoods, Winners, Homesense, Winners, and Sierra banners.
Read more on TJX →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 →