Compare Upstart Holdings Inc (UPST) vs State Street SPDR S&P Biotech ETF (XBI) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
Upstart Holdings Inc vs State Street SPDR S&P Biotech ETF — how do they compare? Upstart Holdings Inc trades at $28.95 (market cap $2.91B), while State Street SPDR S&P Biotech ETF trades at $158.88. The key difference: State Street SPDR S&P Biotech ETF is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals.
| UPST | XBI | |
|---|---|---|
Market Cap | $2.91B | — |
Sector | Financials | Broad Market / Factor |
52-Week High | $73.76 | $164.28 |
52-Week Low | $24.22 | $86.92 |
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
UPST trades at $28.97, down 4.1% today, with a bearish technical signal despite recent Q2 2026 earnings beating estimates. The company returned to GAAP profitability with 42% revenue growth and 50% loan origination growth, though it has missed earnings expectations in three consecutive quarters. Analyst consensus is divided with a $47.20 price target suggesting significant upside potential from current levels.
The outlook remains mixed with strong AI-driven lending growth offset by high valuation metrics (P/E 57.5) and negative cash flow from operations. Key risks include interest rate sensitivity and competitive pressures in fintech lending, while institutional sentiment shows cautious optimism with 45% buy ratings.
XBI trades at $159.15, up 0.71% with a bullish technical signal from moving averages. The biotech ETF shows strong momentum with a 17% monthly gain, driven by positive clinical data and M&A activity. Analyst coverage remains limited with a single hold rating, while institutional interest grows with recent $793,000 investment from Bay Colony Advisors.
Outlook remains positive given biotech sector resurgence, though elevated RSI suggests near-term overbought conditions. Key risks include sector volatility and regulatory uncertainty, but AI-driven drug discovery and strong pipeline developments provide growth catalysts for patient investors.
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 State Street SPDR S&P Biotech ETF
XBI is an equal-weighted ETF that tracks the U.S. biotechnology segment. It provides diversified exposure to small, mid, and large-cap biotech firms involved in drug discovery and medical research, such as Moderna and Exact Sciences.
Read more on XBI →
