Upstart Holdings Inc vs Western Alliance Bancorporation — how do they compare? Upstart Holdings Inc trades at $30.05 (market cap $2.91B), while Western Alliance Bancorporation trades at $81.46 (market cap $8.89B). The key difference: Western Alliance Bancorporation is far larger — about 3.1× Upstart Holdings Inc's market cap, and Western Alliance Bancorporation pays a 2.06% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals.
| UPST | WAL | |
|---|---|---|
Market Cap | $2.91B | $8.89B |
Sector | Financials | Financials |
52-Week High | $73.76 | $96.08 |
52-Week Low | $24.22 | $66.70 |
Dividend Yield | — | 2.06% |
Signals from Pluang's Aura AI — not financial advice
Upstart Holdings trades at $30.21, down 2.83% on the day, with a bullish technical signal supported by moving averages despite recent earnings misses. The company achieved a significant turnaround with $53.6M net income in 2025 after years of losses, driven by 42% revenue growth in Q2 2026. Analyst consensus remains positive with a $47.20 price target, though debt levels have risen to 61.48% of assets.
The outlook balances strong AI-driven loan growth against execution risks and high valuation. Near-term catalysts include the upcoming bank launch and sustained origination growth, while macroeconomic sensitivity and competitive pressures present ongoing challenges for the lending platform.
No Aura AI signal available yet.
Trailing returns across standard periods
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 →Western Alliance Bancorporation is a top-performing bank holding company that operates a dual business model: high-touch regional banking and specialized national business lines. It serves niche industries—including technology, life sciences, and homeowners associations—providing sophisticated commercial lending and treasury solutions that bridge the gap between regional service and national scale.
Read more on WAL →