Compare Upstart Holdings Inc (UPST) vs Workday Inc (WDAY) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
Upstart Holdings Inc vs Workday Inc — how do they compare? Upstart Holdings Inc trades at $29.25 (market cap $2.91B), while Workday Inc trades at $173.86 (market cap $44.77B). The key difference: Workday Inc is far larger — about 15.4× Upstart Holdings Inc's market cap, and Workday Inc is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals.
| UPST | WDAY | |
|---|---|---|
Market Cap | $2.91B | $44.77B |
Sector | Financials | Technology |
52-Week High | $73.76 | $247.69 |
52-Week Low | $24.22 | $112.55 |
Enterprise Value | — | $44.22B |
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Aura AI Summary
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.
Workday (WDAY) trades at $184.19, up 2.53% with strong technical momentum and consecutive earnings beats. The stock shows bullish moving average signals despite overbought RSI readings. Revenue growth accelerated to $8.45 billion in 2025 with improving net margins of 6.22%, while analyst consensus remains positive with 55.6% buy ratings. Recent partnerships and AI product launches demonstrate continued innovation in enterprise software.
Outlook remains constructive given consistent earnings outperformance and AI-driven growth initiatives, though elevated valuation multiples and institutional selling present near-term headwinds. Key risks include competitive pressures and execution challenges in enterprise software market transitions.
Returns comparison
Trailing returns across standard periods
Returns comparison
Trailing returns across standard periods
About Upstart Holdings Inc
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 →About Workday Inc
Workday is a software company that offers human capital management, or HCM, financial management, and business planning solutions. Known for being a cloud-only software provider, Workday is headquartered in Pleasanton, California. Founded in 2005, Workday now employs over 12,000 employees.
Read more on WDAY →
