Compare Upstart Holdings Inc (UPST) vs State Street PDR S&P Retail ETF (XRT) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
Upstart Holdings Inc vs State Street PDR S&P Retail ETF — how do they compare? Upstart Holdings Inc trades at $24.31 (market cap $2.34B), while State Street PDR S&P Retail ETF trades at $86.52 (market cap $402.57M). The key difference: Upstart Holdings Inc is far larger — about 5.8× State Street PDR S&P Retail ETF's market cap, and State Street PDR S&P Retail ETF is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals — on Pluang, investors hold Upstart Holdings Inc for 39 Days and State Street PDR S&P Retail ETF for 44 Days on average.
| UPST | XRT | |
|---|---|---|
Market Cap | $2.34B | $402.57M |
Volume | 3,171,869 | 2,586,736 |
Sector | Financials | Broad Market / Factor |
52-Week High | $52.74 | $92.35 |
52-Week Low | $22.81 | $77.28 |
Typical Hold Time | 39 Days | 44 Days |
Enterprise Value | $3.87B | — |
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 $24.02, up 0.67% on the day, but remains in a bearish technical trend. The company reported revenue of $1.02B for 2025 with a net income of $53.60M, marking a return to profitability after prior losses. Recent earnings have missed expectations, and cash flow from operations turned negative in 2025. Analyst sentiment is mixed with a consensus price target of $39.50, but technical indicators and recent price action near support levels reflect ongoing investor caution.
The outlook for UPST hinges on its ability to sustain revenue growth and improve earnings consistency amid a challenging credit environment. Opportunities exist if AI-driven lending gains scale, but risks include volatile cash flows, high debt levels, and sensitivity to economic cycles. The stock's current valuation leaves room for upside if execution improves, but near-term pressure persists.
XRT, the SPDR S&P Retail ETF, trades at $82.91, down 0.05% on the day, with a bearish technical signal from moving averages. The ETF faces headwinds from higher interest rates and inflation pressuring consumer spending, as reflected in mixed retail sales data. Recent news highlights holiday sales projections exceeding $1 trillion but also notes analyst expectations of underperformance versus the S&P 500 into 2027.
The outlook for XRT is cautious due to macroeconomic pressures on retail, though potential Fed easing could offer relief. Risks include consumer sentiment volatility and competitive shifts. Analyst sentiment is neutral to bearish, with institutional interest shown via options activity but no strong bullish consensus for near-term outperformance.
Returns comparison
Trailing returns across standard periods
Returns comparison
Trailing returns across standard periods
Investor sentiment on Pluang
What Pluang investors did over the last 30 days
Investor sentiment on Pluang
What Pluang investors did over the last 30 days
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Top news
Latest headlines on both assets
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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 PDR S&P Retail ETF
XRT is an equal-weighted ETF that tracks the U.S. retail sector. It provides diversified exposure to apparel, automotive, and online retailers, including well-known names like Amazon, Target, and Costco.
Read more on XRT →
