T-Mobile Us Inc vs Upstart Holdings Inc — how do they compare? T-Mobile Us Inc trades at $150 (market cap $183.76B), while Upstart Holdings Inc trades at $24.21 (market cap $2.35B). The key difference: T-Mobile Us Inc is far larger — about 78.2× Upstart Holdings Inc's market cap, and T-Mobile Us Inc pays a 2.73% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold T-Mobile Us Inc for 84 Days and Upstart Holdings Inc for 39 Days on average.
| TMUS | UPST | |
|---|---|---|
Market Cap | $183.76B | $2.35B |
Volume | 4,294,650 | 4,203,337 |
Sector | Media | Financials |
52-Week High | $230.06 | $52.74 |
52-Week Low | $161.73 | $22.81 |
Typical Hold Time | 84 Days | 39 Days |
Enterprise Value | $300.37B | $3.88B |
Dividend Yield | 2.73% | — |
Signals from Pluang's Aura AI — not financial advice
T-Mobile (TMUS) is trading at $149.79, down 10.64% in the last session. The stock shows strong fundamentals with revenue growth from $81.4B in 2024 to $88.3B in 2025 and robust profitability (net margin 11.45%). Recent technical indicators are mixed with a bearish moving average signal but neutral oscillators. The company announced a 15% dividend increase and is advancing AI-powered 5G network capabilities. Analyst consensus remains strongly bullish with 79.6% buy ratings and a $231.10 price target.
TMUS presents a compelling growth story with solid financials and strategic initiatives, though elevated debt levels and competitive pressures pose risks. The current price decline may offer an entry point given the significant upside to analyst targets, supported by consistent earnings beats and dividend growth.
Upstart Holdings trades at $24.24, up 0.9% with a bearish technical signal despite recent earnings misses. The company achieved profitability in 2025 with $1.02B revenue and $53.6M net income, though cash flow from operations remains negative at -$147.7M. Recent news highlights partnership expansions into HELOC and auto lending while the stock faces pressure from broader consumer lending sector weakness.
Upstart's AI lending platform shows revenue growth potential but faces execution risks amid volatile credit markets. Analyst consensus targets $39.50 (63% upside) with mixed ratings, while high P/E of 46.5 suggests premium valuation. The key risk remains the company's loan syndication model during economic downturns.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
Deutsche Telekom merged its T-Mobile USA unit with prepaid specialist MetroPCS in 2013, creating T-Mobile Us. Following the merger, the firm provided nationwide service in major markets but spottier coverage elsewhere. T-Mobile spent aggressively on low-frequency spectrum, well suited to broad coverage, and has substantially expanded its geographic footprint. This expansion, coupled with aggressive marketing and innovative offerings, produced rapid customer growth. With the Sprint acquisition, the firm's scale now roughly matches its larger rivals: T-Mobile now serves 71 million postpaid and 21 million prepaid phone customers, equal to around 30% of the U.S. retail wireless market. In addition, the firm provides wholesale service to resellers.
Read more on TMUS →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 →