Compare Upstart Holdings Inc (UPST) vs Consumer Staples Select Sector SPDR Fund (XLP) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
Upstart Holdings Inc vs Consumer Staples Select Sector SPDR Fund — how do they compare? Upstart Holdings Inc trades at $29.22 (market cap $2.91B), while Consumer Staples Select Sector SPDR Fund trades at $85.05. The key difference: Consumer Staples 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 | XLP | |
|---|---|---|
Market Cap | $2.91B | — |
Sector | Financials | — |
52-Week High | $73.76 | $90.00 |
52-Week Low | $24.22 | $75.61 |
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.
XLP trades at $85.04, up 0.11% with a neutral technical signal. Analyst consensus is unanimously bullish with a 100% buy rating. The fund offers a defensive play in consumer staples, with recent news highlighting sector resilience amid market shifts toward quality stocks.
Outlook remains positive given strong analyst support and defensive positioning, though limited fundamental data and sector concentration risks warrant monitoring. The dividend yield adds income appeal, but reliance on broad market sentiment for consumer staples drives volatility exposure.
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 Consumer Staples 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 companies that have been identified as Consumer Staples companies by the GICS®. It is non-diversified.
Read more on XLP →
