Upstart Holdings Inc vs Vertex Pharmaceuticals Incorporated — how do they compare? Upstart Holdings Inc trades at $24.29 (market cap $2.35B), while Vertex Pharmaceuticals Incorporated trades at $508.92 (market cap $127.55B). The key difference: Vertex Pharmaceuticals Incorporated is far larger — about 54.3× Upstart Holdings Inc's market cap, and Vertex Pharmaceuticals Incorporated is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals — on Pluang, investors hold Upstart Holdings Inc for 39 Days and Vertex Pharmaceuticals Incorporated for 120 Days on average.
| UPST | VRTX | |
|---|---|---|
Market Cap | $2.35B | $127.55B |
Volume | 4,203,337 | 1,487,944 |
Sector | Financials | Health |
52-Week High | $52.74 | $557.96 |
52-Week Low | $22.81 | $407.37 |
Typical Hold Time | 39 Days | 120 Days |
Enterprise Value | $3.88B | $121.68B |
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.
Vertex Pharmaceuticals (VRTX) trades at $505.64, up 0.63% with mixed technical signals showing bearish moving averages but neutral oscillators. The company maintains strong fundamentals with $12B revenue, 35% net margin, and robust cash flow. Recent positive Phase 2b data for kidney drug inaxaplin and cystic fibrosis dominance support growth. Earnings show volatility with Q1 beat but Q2 miss against expectations.
Outlook remains positive with 84% analyst buy ratings and $573.50 consensus target offering 13% upside. Key risks include clinical trial outcomes, competitive pressures, and reliance on cystic fibrosis portfolio. The stock presents growth potential through pipeline expansion but faces sector volatility and execution challenges.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
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 →Vertex Pharmaceuticals is a global biotechnology company that discovers and develops small-molecule drugs for the treatment of serious diseases. Its key drugs are Kalydeco, Orkambi, Symdeko, and Trikafta/Kaftrio for cystic fibrosis, where Vertex therapies remain the standard of care globally. In addition to its focus on cystic fibrosis, Vertex is diversifying its pipeline through gene-editing therapies such as CTX001 for beta-thalassemia and sickle-cell disease, small-molecule inhibitors targeting acute and chronic pain using non-opioid treatments, and small-molecule inhibitors of APOL1-mediated kidney diseases. Vertex is also investigating cell therapies to deliver a potential functional cure for type 1 diabetes.
Read more on VRTX →