Upstart Holdings Inc (UPST)vsVisa Inc. Class A (V)
UPST
Upstart Holdings Inc
$29.74
-7.84%
FINANCIAL SERVICES · Cap: $2.92B
V
Visa Inc. Class A
$323.57
+0.50%
FINANCIAL SERVICES · Cap: $603.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 3566% more annual revenue ($43.03B vs $1.17B). V leads profitability with a 51.7% profit margin vs 4.2%. V trades at a lower P/E of 27.7x. V earns a higher WallStSmart Score of 74/100 (B).
UPST
Hold50
out of 100
Grade: D+
V
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 44.6% year-over-year
Earnings expanding 209.1% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 62 in profit
Keeps 52 of every $100 in revenue as profit
Strong operational efficiency at 67.3%
17.1% revenue growth
Earnings expanding 35.5% YoY
Areas to Watch
ROE of 6.7% — below average capital efficiency
4.2% margin — thin
Operating margin of 0.9%
Premium valuation, high expectations priced in
Moderate valuation
Trading at 17.4x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UPST
The strongest argument for UPST centers on Revenue Growth, EPS Growth. Revenue growth of 44.6% demonstrates continued momentum.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.7% and operating margin at 67.3%. Revenue growth of 17.1% demonstrates continued momentum.
Bear Case : UPST
The primary concerns for UPST are Return on Equity, Profit Margin, Operating Margin. A P/E of 74.4x leaves little room for execution misses. Debt-to-equity of 2.70 is elevated, increasing financial risk.
Bear Case : V
The primary concerns for V are P/E Ratio, Price/Book, Altman Z-Score.
Key Dynamics to Monitor
UPST profiles as a hypergrowth stock while V is a growth play — different risk/reward profiles.
UPST carries more volatility with a beta of 2.28 — expect wider price swings.
UPST is growing revenue faster at 44.6% — sustainability is the question.
V generates stronger free cash flow (2.6B), providing more financial flexibility.
Bottom Line
V scores higher overall (74/100 vs 50/100), backed by strong 51.7% margins and 17.1% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Upstart Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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