Upstart Holdings Inc vs Zeta Global Holdings Corp — how do they compare? Upstart Holdings Inc trades at $28.95 (market cap $2.91B), while Zeta Global Holdings Corp trades at $28.55 (market cap $7.32B). The key difference: Zeta Global Holdings Corp is far larger — about 2.5× Upstart Holdings Inc's market cap, and Zeta Global Holdings Corp is trading nearer its 52-week high, Upstart Holdings Inc nearer its low. Which is the better fit depends on your goals.
| UPST | ZETA | |
|---|---|---|
Market Cap | $2.91B | $7.32B |
Sector | Financials | Technology |
52-Week High | $73.76 | $29.15 |
52-Week Low | $24.22 | $14.55 |
Enterprise Value | — | $7.20B |
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.
ZETA stock trades at $28.62, up 3.92% in the past 24 hours, with a bullish technical signal from moving averages and strong support at $28. The company reported its 20th consecutive beat-and-raise quarter in Q2 2026, with revenue up 44% year-over-year and achieving its first GAAP net income. Analyst consensus is strongly bullish with a $30.44 price target, and recent news highlights AI-driven growth and a partnership with Palantir.
The outlook for ZETA is positive due to robust revenue growth, expanding AI adoption, and improving profitability, but risks include a rich valuation with a P/S of 4.35 and EV/EBITDA of 95.89, execution challenges in integrating acquisitions, and competitive pressures in the marketing tech sector. The stock's proximity to its 52-week high suggests limited near-term upside without continued strong earnings performance.
Trailing returns across standard periods
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 →Zeta Global is a leading data-driven marketing technology company that provides an omnichannel AI Marketing Cloud. By leveraging a proprietary data cloud of over 2.4 billion deterministic identities, it enables enterprise brands to acquire, grow, and retain customers through predictive intelligence and automated, agentic workflows.
Read more on ZETA →