Upstart Holdings Inc (UPST)vsVisa Inc. Class A (V)
UPST
Upstart Holdings Inc
$26.09
-1.92%
FINANCIAL SERVICES · Cap: $2.55B
V
Visa Inc. Class A
$304.91
+0.38%
FINANCIAL SERVICES · Cap: $585.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 3748% more annual revenue ($41.39B vs $1.08B). V leads profitability with a 50.2% profit margin vs 5.0%. V trades at a lower P/E of 28.5x. V earns a higher WallStSmart Score of 68/100 (B-).
UPST
Buy51
out of 100
Grade: C-
V
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-57.2%
Fair Value
$21.06
Current Price
$26.09
$5.03 premium
Margin of Safety
+17.4%
Fair Value
$369.26
Current Price
$304.91
$64.35 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 34.4% year-over-year
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
2.1% earnings growth
ROE of 7.5% — below average capital efficiency
5.0% margin — thin
Premium valuation, high expectations priced in
Expensive relative to growth rate
Moderate valuation
Trading at 15.2x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UPST
The strongest argument for UPST centers on Revenue Growth. Revenue growth of 34.4% 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 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : UPST
The primary concerns for UPST are EPS Growth, Return on Equity, Profit Margin. A P/E of 57.7x leaves little room for execution misses. Thin 5.0% margins leave little buffer for downturns.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
UPST profiles as a hypergrowth stock while V is a mature play — different risk/reward profiles.
UPST carries more volatility with a beta of 2.19 — expect wider price swings.
UPST is growing revenue faster at 34.4% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 51/100), backed by strong 50.2% margins and 14.6% revenue growth. Both earn "Strong Buy" and "Buy" 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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