Upstart Holdings Inc vs Exxon Mobil Corporation — how do they compare? Upstart Holdings Inc trades at $29.37 (market cap $2.76B), while Exxon Mobil Corporation trades at $151.77 (market cap $614.94B). The key difference: Exxon Mobil Corporation is far larger — about 222.8× Upstart Holdings Inc's market cap, and Exxon Mobil Corporation pays a 2.78% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals.
| UPST | XOM | |
|---|---|---|
Market Cap | $2.76B | $614.94B |
Sector | Financials | Energy |
52-Week High | $84.13 | $171.52 |
52-Week Low | $24.22 | $105.83 |
Enterprise Value | — | $654.17B |
Dividend Yield | — | 2.78% |
Signals from Pluang's Aura AI — not financial advice
Upstart Holdings (UPST) trades at $29.27, down 0.81% on the day, with a bearish technical signal but improving fundamentals. The company reported a net income of $53.60 million in 2025, marking a significant turnaround from prior losses. Recent news highlights AI-driven lending growth and a $600 million funding deal with Neuberger Berman, though quarterly earnings have been mixed with a recent miss in Q1 2026.
The stock presents a high-risk, high-reward opportunity, supported by analyst consensus targets near $42.00 but challenged by volatile cash flows and rising debt. Key risks include execution on new loan products and macroeconomic sensitivity, while institutional sentiment remains divided with a 45% buy rating. Near-term direction hinges on Q2 2026 results due August 4, 2026.
ExxonMobil (XOM) trades at $147.39, up 0.99% today, with a bullish technical signal from moving averages and oscillators. The stock has beaten earnings estimates for the last three quarters, though revenue and net income have trended lower since 2022. Analyst consensus is a buy with a $169.78 price target, and recent news highlights the company's Permian Basin advantage and potential oil price spikes.
XOM offers value through strong cash flow and a robust balance sheet, but faces headwinds from declining profitability and net cash outflows. Investment appeal hinges on oil price stability and execution in key growth areas, while risks include volatile energy markets and execution challenges.
Trailing returns across standard periods
Latest headlines on both assets
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 →Exxon Mobil Corporation operates petroleum and petro chemicals businesses. The Company provides operations include exploration and production of oil and gas, electric power generation, and coal and minerals operations. Exxon Mobil also manufactures and markets fuels, lubricants, and chemicals. Exxon Mobil serves customers worldwide.
Read more on XOM →