Compare Upstart Holdings Inc (UPST) vs State Street SPDR S&P Homebuilders ETF (XHB) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
Upstart Holdings Inc vs State Street SPDR S&P Homebuilders ETF — how do they compare? Upstart Holdings Inc trades at $24.11 (market cap $2.35B), while State Street SPDR S&P Homebuilders ETF trades at $95 (market cap $1.49B). The key difference: Upstart Holdings Inc is the larger of the two by market cap, and Upstart Holdings Inc is more actively traded (4,203,337 versus 2,445,587). Which is the better fit depends on your goals — on Pluang, investors hold Upstart Holdings Inc for 39 Days and State Street SPDR S&P Homebuilders ETF for 33 Days on average.
| UPST | XHB | |
|---|---|---|
Market Cap | $2.35B | $1.49B |
Volume | 4,203,337 | 2,445,587 |
Sector | Financials | Broad Market / Factor |
52-Week High | $52.74 | $121.36 |
52-Week Low | $22.81 | $94.86 |
Typical Hold Time | 39 Days | 33 Days |
Enterprise Value | $3.88B | — |
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 $24.24, up 0.9% with a bearish technical signal despite recent earnings misses. The company achieved profitability in 2025 with $1.02B revenue and $53.6M net income, though cash flow from operations remains negative at -$147.7M. Recent news highlights partnership expansions into HELOC and auto lending while the stock faces pressure from broader consumer lending sector weakness.
Upstart's AI lending platform shows revenue growth potential but faces execution risks amid volatile credit markets. Analyst consensus targets $39.50 (63% upside) with mixed ratings, while high P/E of 46.5 suggests premium valuation. The key risk remains the company's loan syndication model during economic downturns.
XHB, the SPDR S&P Homebuilders ETF, trades at $94.99, showing minimal daily change. Technical indicators are predominantly bearish, with moving averages signaling a downtrend and oscillators neutral. The ETF tracks the homebuilding sector, which faces headwinds from high mortgage rates but shows potential from recent housing policy support and institutional interest.
The outlook for XHB is mixed, balancing sector challenges like rising rates against catalysts such as new housing legislation. Investment opportunity hinges on a housing market rebound, while risks include economic sensitivity and rate volatility. Investor sentiment is cautious but attentive to policy impacts.
Returns comparison
Trailing returns across standard periods
Returns comparison
Trailing returns across standard periods
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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 Homebuilders ETF
XHB invests in the U.S. homebuilding industry and related sectors. It provides equal-weighted exposure to homebuilders, building products, and home improvement retailers like Home Depot, Lowe's, and Builders FirstSource.
Read more on XHB →
