Upstart Holdings Inc vs VF Corp — how do they compare? Upstart Holdings Inc trades at $24.48 (market cap $2.35B), while VF Corp trades at $15 (market cap $5.71B). The key difference: VF Corp is far larger — about 2.4× Upstart Holdings Inc's market cap, and VF Corp pays a 2.48% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Upstart Holdings Inc for 39 Days and VF Corp for 64 Days on average.
| UPST | VFC | |
|---|---|---|
Market Cap | $2.35B | $5.71B |
Volume | 4,203,337 | 8,987,330 |
Sector | Financials | Consumer Cyclical |
52-Week High | $52.74 | $21.55 |
52-Week Low | $22.81 | $12.62 |
Typical Hold Time | 39 Days | 64 Days |
Enterprise Value | $3.88B | $10.00B |
Dividend Yield | — | 2.48% |
Signals from Pluang's Aura AI — not financial advice
Upstart Holdings (UPST) trades at $24.02, up 0.67% with mixed technical signals showing bearish momentum but neutral oscillators. The company reported revenue growth to $1.02B in 2025 with a return to profitability ($53.6M net income), though recent quarters show earnings misses. Analyst sentiment is divided with a $39.50 consensus target, while recent news highlights partnership expansions and sector volatility affecting consumer lending stocks.
The outlook balances AI-driven lending growth against credit market risks and earnings volatility. Investment opportunity lies in valuation upside if execution improves, but risks include debt levels rising to 61.48% of assets and consistent earnings underperformance. The stock's proximity to recent lows suggests cautious investor sentiment amid sector headwinds.
VFC trades at $14.38, down 0.48% on the day, with a mixed technical picture showing a bullish moving average signal but neutral oscillators. The stock is near its 52-week low, reflecting ongoing challenges. Recent earnings have been volatile, with two misses in the last three quarters, and the company reported a net loss of $189.72 million for 2025. Revenue has declined from $11.8 billion in 2022 to $9.5 billion in 2025, though 2026 projects a return to profitability.
The outlook for VFC hinges on executing its turnaround amid weak Vans performance. The stock's discounted valuation (P/E of 20.84, P/S of 0.6) offers potential upside if brand recovery gains traction, but high execution risk and competitive pressures pose significant threats. Analyst consensus is mixed with a Hold rating, and the stock faces near-term resistance at $15.
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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 →VF designs, produces, and distributes branded apparel and accessories. Its largest apparel categories include action sports, outdoor, and workwear. Its portfolio of about a dozen brands includes Vans, The North Face, Timberland, Supreme, and Dickies. VF markets its products in the Americas, Europe, and Asia-Pacific through wholesale sales to retailers, e-commerce, and branded stores owned by the company and partners. The company has grown through multiple acquisitions and traces its roots to 1899.
Read more on VFC →