Upstart Holdings Inc vs Yum! Brands, Inc. — how do they compare? Upstart Holdings Inc trades at $24.18 (market cap $2.35B), while Yum! Brands, Inc. trades at $145.05 (market cap $39.02B). The key difference: Yum! Brands, Inc. is far larger — about 16.6× Upstart Holdings Inc's market cap, and Yum! Brands, Inc. pays a 2.1% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Upstart Holdings Inc for 39 Days and Yum! Brands, Inc. for 132 Days on average.
| UPST | YUM | |
|---|---|---|
Market Cap | $2.35B | $39.02B |
Volume | 4,203,337 | 2,597,636 |
Sector | Financials | Consumer Cyclical |
52-Week High | $52.74 | $168.16 |
52-Week Low | $22.81 | $135.77 |
Typical Hold Time | 39 Days | 132 Days |
Enterprise Value | $3.88B | $50.63B |
Dividend Yield | — | 2.1% |
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.
YUM trades at $140.35, up 0.36% today, with a bullish technical signal despite mixed moving averages. Revenue grew to $8.21B in 2025, with net income of $1.56B and strong cash flow. Recent news highlights KFC's Open House launch and the completed Pizza Hut sale, streamlining the portfolio. Analysts maintain a consensus Buy rating with a $170.44 target, though some express caution amid sector pressures.
The outlook is positive with earnings beats and strategic refocusing, but risks include high debt levels and consumer spending sensitivity. Upside potential exists if growth initiatives succeed, yet investors should weigh competitive and macroeconomic headwinds.
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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 →Yum Brands is a U.S.-based restaurant operator featuring a portfolio of four brands: KFC (26,930 global units), Pizza Hut (18,380 units), Taco Bell (7,790 units), and The Habit Burger (310 units) at year-end 2021. With $58 billion in 2021 systemwide sales, the firm is the second-largest restaurant company in the world, behind McDonald's ($112.5 billion) but ahead of Restaurant Brands International ($36 billion) and Starbucks ($25 billion). Yum is 98% franchised, with the largest franchisee, Yum China, created via a 2016 spinoff transaction (after which Yum China agreed to pay 3% royalties to Yum Brands in perpetuity). Yum is the newest evolution of Tricon Brands, formerly a division of PepsiCo, and generates the bulk of its revenue from franchise royalties and marketing contributions.
Read more on YUM →