Ternium S.A. Ternium S.A. American Depositary Shares (each representing ten shares USD1.00 par value) vs Upstart Holdings Inc — how do they compare? Ternium S.A. Ternium S.A. American Depositary Shares (each representing ten shares USD1.00 par value) trades at $58.55 (market cap $11.58B), while Upstart Holdings Inc trades at $22.64 (market cap $2.32B). The key difference: Ternium S.A. Ternium S.A. American Depositary Shares (each representing ten shares USD1.00 par value) is far larger — about 5× Upstart Holdings Inc's market cap, and Ternium S.A. Ternium S.A. American Depositary Shares (each representing ten shares USD1.00 par value) pays a 3.73% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Ternium S.A. Ternium S.A. American Depositary Shares (each representing ten shares USD1.00 par value) for 0 Days and Upstart Holdings Inc for 39 Days on average.
| TX | UPST | |
|---|---|---|
Market Cap | $11.58B | $2.32B |
Volume | 456,367 | 3,123,987 |
Sector | Basic Materials | Financials |
52-Week High | $58.99 | $52.74 |
52-Week Low | $35.26 | $22.74 |
Typical Hold Time | 0 Days | 39 Days |
Enterprise Value | $11.90B | $3.85B |
Dividend Yield | 3.73% | — |
Signals from Pluang's Aura AI — not financial advice
Ternium (TX) trades at $58.99, up 1.81% with strong Q2 2026 earnings beating estimates by 43%. The stock shows solid fundamentals with attractive valuation metrics including P/E of 16.39 and P/S of 0.72. Recent analyst upgrades to Strong Buy highlight improving sentiment as Mexico's steel recovery drives operational momentum and the $4B Pesqueria project promises future capacity growth.
The stock offers value with 7% dividend yield projections and 14.5% upside to $65.52 fair value. Key risks include steel price volatility and trade uncertainty, but declining CapEx should boost free cash flow above 15% yield. Analyst consensus at $57.17 with 50% Buy ratings supports cautious optimism for continued recovery.
UPST trades at $22.74, down 4.25% on the day, with a bearish technical signal and recent earnings misses. Revenue grew to $1.02B in 2025, turning profitable with $53.60M net income, but cash flow from operations remains negative. The stock is trading well below the consensus price target of $38.13, with analysts divided between Buy and Hold ratings.
The outlook is mixed: strong revenue growth and profitability improvements offer upside potential, but persistent cash burn, high debt levels, and sensitivity to credit markets pose significant risks. Investor sentiment is cautious amid recent price declines and sector-wide pressures.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Ternium S.A. is a Luxembourg-headquartered steel producer operating an integrated production system, from mining through finished flat and long steel products. It runs 18 production plants and two mining operations across Argentina, Brazil, Colombia, Guatemala, Mexico, and US, serving the automotive, construction, appliance, and energy industries.
Read more on TX →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 →