Upstart Holdings Inc vs Zoom Video Communications, Inc. — how do they compare? Upstart Holdings Inc trades at $24.16 (market cap $2.35B), while Zoom Video Communications, Inc. trades at $97.67 (market cap $27.62B). The key difference: Zoom Video Communications, Inc. is far larger — about 11.8× Upstart Holdings Inc's market cap, and Zoom Video Communications, Inc. 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 Zoom Video Communications, Inc. for 92 Days on average.
| UPST | ZM | |
|---|---|---|
Market Cap | $2.35B | $27.62B |
Volume | 4,203,337 | 3,913,188 |
Sector | Financials | Technology |
52-Week High | $52.74 | $111.88 |
52-Week Low | $22.81 | $72.72 |
Typical Hold Time | 39 Days | 92 Days |
Enterprise Value | $3.88B | $20.43B |
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.
Zoom Communications (ZM) trades at $96.20, up 1.51% today, with a bullish technical signal from moving averages and a consensus analyst price target of $118.08. The company reported strong earnings beats in Q1 and Q2 2026, with net income reaching $1.01 billion in 2025 and a robust net income margin of 65.19%. Recent news highlights AI-driven product launches and board appointments, signaling strategic growth initiatives.
The outlook for ZM is positive, supported by solid profitability and Wall Street's buy ratings, but risks include competitive pressures and reliance on international sales. The stock's current valuation metrics, such as a P/E of 8.79, suggest potential upside if earnings growth continues, though investors should monitor execution risks and market volatility.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
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 →Zoom Video Communications, Inc. develops a people-centric cloud service that transforms real-time collaboration experience. The Company offers unified meeting experience, a cloud service that provides a 3-in-1 meeting platform with HD video conferencing, mobility, and web meetings. Zoom Video Communications serves customers worldwide.
Read more on ZM →