Unilever plc vs Upstart Holdings Inc — how do they compare? Unilever plc trades at $62.2 (market cap $132.07B), while Upstart Holdings Inc trades at $24.31 (market cap $2.34B). The key difference: Unilever plc is far larger — about 56.4× Upstart Holdings Inc's market cap, and Unilever plc pays a 3.48% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Unilever plc for 112 Days and Upstart Holdings Inc for 39 Days on average.
| UL | UPST | |
|---|---|---|
Market Cap | $132.07B | $2.34B |
Volume | 2,873,862 | 3,171,869 |
Sector | Consumer Staples | Financials |
52-Week High | $74.59 | $52.74 |
52-Week Low | $55.05 | $22.81 |
Typical Hold Time | 112 Days | 39 Days |
Enterprise Value | $157.21B | $3.87B |
Dividend Yield | 3.48% | — |
Signals from Pluang's Aura AI — not financial advice
Unilever (UL) trades at $61.94, up 1.88% today, amid bearish technical signals and mixed earnings performance. The stock shows strong profitability with 18.32% net margins and 54.56% ROE, though recent quarters saw EPS misses. Cash flow turned negative in 2025 at -$2.08B due to increased investing activity. The company is restructuring its portfolio, including the planned $65B food business merger with McCormick, while facing regulatory scrutiny in the UK.
Outlook remains cautious with analyst consensus divided (24% Buy, 51% Hold) and technical indicators bearish. Investment appeal lies in emerging market exposure and dividend stability, but risks include integration challenges from the McCormick deal, competitive pressures, and inconsistent earnings delivery. Valuation at 21.32 P/E appears reasonable given margins but requires execution improvement.
Upstart Holdings trades at $24.19, up 1.38% today, but remains in a bearish technical trend with recent earnings misses and volatile cash flows. The company reported revenue of $1.02B in 2025 with a net income of $53.60M, marking a return to profitability after prior losses. Analyst sentiment is mixed with a consensus price target of $39.50, though recent news highlights credit market risks and partnership expansions into HELOC and auto lending.
The outlook hinges on execution in a challenging lending environment; upside exists if AI-driven originations accelerate, but high debt levels and earnings volatility pose significant risks. Investor sentiment is cautious amid sector-wide pressure on fintech stocks.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
Unilever is a diversified personal product (42% of 2021 sales by value), home care (20%), and packaged food (38%) company. Its brands include Knorr soups and sauces, Hellmann's mayonnaise, Lipton teas, Axe and Dove skin products, and the TRESemme haircare brand. The firm has been acquisitive in recent years
Read more on UL →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 →