Compare Upstart Holdings Inc (UPST) vs Materials Select Sector SPDR Fund (XLB) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
Upstart Holdings Inc vs Materials Select Sector SPDR Fund — how do they compare? Upstart Holdings Inc trades at $29.15 (market cap $2.91B), while Materials Select Sector SPDR Fund trades at $52.67. The key difference: Materials Select Sector SPDR Fund is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals.
| UPST | XLB | |
|---|---|---|
Market Cap | $2.91B | — |
Sector | Financials | — |
52-Week High | $73.76 | $53.62 |
52-Week Low | $24.22 | $42.23 |
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.
XLB trades at $53.14, showing minimal daily movement with a slight decline of 0.08%. Technical indicators signal a bullish trend with strong moving average support and oscillators showing mixed signals. The materials sector ETF benefits from infrastructure spending and AI-related demand, though recent articles suggest the cyclical recovery may be largely priced in. Dividend payments are scheduled for 2026.
The outlook for XLB remains positive due to sector tailwinds from infrastructure and manufacturing trends, though valuation concerns exist after recent gains. Key risks include cyclical sector exposure and potential overvaluation. Analyst sentiment appears cautiously optimistic with technical strength supporting near-term momentum.
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 Materials Select Sector SPDR Fund
In seeking to track the performance of the index, the fund employs a replication strategy. It generally invests substantially all, but at least 95%, of its total assets in the securities comprising the index. The index includes securities of companies from the following industries: chemicals; metals and mining; paper and forest products; containers and packaging; and construction materials. The fund is non-diversified.
Read more on XLB →
