Upstart Holdings Inc (UPST)vsVisa Inc. Class A (V)
UPST
Upstart Holdings Inc
$25.59
+1.95%
FINANCIAL SERVICES · Cap: $2.52B
V
Visa Inc. Class A
$375.33
+1.32%
FINANCIAL SERVICES · Cap: $691.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 3360% more annual revenue ($44.49B vs $1.29B). V leads profitability with a 50.8% profit margin vs 4.7%. V trades at a lower P/E of 31.3x. V earns a higher WallStSmart Score of 68/100 (B-).
UPST
Buy53
out of 100
Grade: C-
V
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 42.3% year-over-year
Earnings expanding 211.2% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 66.1%
Generating 6.1B in free cash flow
Areas to Watch
ROE of 6.7% — below average capital efficiency
4.7% margin — thin
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 19.9x 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 42.3% 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 50.8% and operating margin at 66.1%. Revenue growth of 14.4% demonstrates continued momentum.
Bear Case : UPST
The primary concerns for UPST are Return on Equity, Profit Margin, P/E Ratio. A P/E of 51.8x leaves little room for execution misses. Debt-to-equity of 2.54 is elevated, increasing financial risk.
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 2.17 — expect wider price swings.
UPST is growing revenue faster at 42.3% — sustainability is the question.
V generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 53/100), backed by strong 50.8% margins and 14.4% 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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