Upstart Holdings [UPST] vs American Express [AXP] Detailed Stock Comparison
Upstart Holdings
NASDAQ
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American Express
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Upstart Holdings wins in 2 metrics, American Express wins in 15 metrics, with 0 ties. American Express appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Upstart Holdings | American Express | Better |
|---|---|---|---|
| P/E Ratio (TTM) | -43.81 | 22.83 | Upstart Holdings |
| Price-to-Book Ratio | 8.40 | 7.01 | American Express |
| Debt-to-Equity Ratio | 212.94 | 187.93 | American Express |
| PEG Ratio | 0.40 | -11.87 | American Express |
| EV/EBITDA | 1,306.20 | N/A | N/A |
| Profit Margin (TTM) | -0.72% | 15.99% | American Express |
| Operating Margin (TTM) | 4.65% | 21.00% | American Express |
| EBITDA Margin (TTM) | 4.65% | 21.00% | American Express |
| Return on Equity | -0.96% | 32.81% | American Express |
| Return on Assets (TTM) | -0.49% | 3.57% | American Express |
| Free Cash Flow (TTM) | $176.34M | $12.14B | American Express |
| Dividend Yield | N/A | 0.99% | N/A |
| 1-Year Return | 69.02% | 21.58% | Upstart Holdings |
| Price-to-Sales Ratio (TTM) | 6.86 | 3.57 | American Express |
| Enterprise Value | $7.21B | $229.34B | American Express |
| EV/Revenue Ratio | 8.15 | 3.62 | American Express |
| Revenue per Share (TTM) | $10 | $90 | American Express |
| Earnings per Share (Diluted) | $-0.05 | $14.25 | American Express |
| Beta (Stock Volatility) | 2.38 | 1.29 | American Express |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Upstart Holdings vs American Express Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Upstart Holdings | 0.28% | -2.54% | 2.86% | 21.99% | 34.23% | 10.48% |
| American Express | -0.07% | 0.83% | 6.51% | 11.15% | 23.70% | 9.59% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Upstart Holdings | 69.02% | 212.42% | 52.35% | 52.35% | 52.35% | 52.35% |
| American Express | 21.58% | 133.17% | 239.75% | 335.47% | 658.27% | 556.71% |
News Based Sentiment: Upstart Holdings vs American Express
Upstart Holdings
News based Sentiment: POSITIVE
Upstart delivered exceptional Q2 2025 results, achieving profitability and significantly exceeding growth expectations. This performance led to increased guidance, analyst upgrades, and a positive market reaction, indicating a strong turnaround story and improved investment prospects. The expansion into new lending verticals and continued AI innovation further strengthen the company's position.
American Express
News based Sentiment: POSITIVE
American Express demonstrated strong financial performance in Q2 and continued expansion of its merchant base and strategic partnerships throughout September. While the Platinum Card refresh introduces a potential risk with the increased fee, the overall narrative remains positive, driven by revenue growth, analyst optimism, and a focus on attracting high-spending customers.
Performance & Financial Health Analysis: Upstart Holdings vs American Express
| Metric | UPST | AXP |
|---|---|---|
| Market Information | ||
| Market Cap | $6.07B | $226.38B |
| Market Cap Category | Mid cap | Mega cap |
| 10 Day Avg. Volume | 6,790,600 | 2,609,550 |
| 90 Day Avg. Volume | 7,576,563 | 2,406,207 |
| Last Close | $67.17 | $327.04 |
| 52 Week Range | $31.40 - $96.43 | $220.43 - $332.46 |
| % from 52W High | -30.34% | -1.63% |
| All-Time High | $401.49 (Oct 11, 2021) | $332.46 (Sep 05, 2025) |
| % from All-Time High | -83.27% | -1.63% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.91% | 0.09% |
| Quarterly Earnings Growth | 1.02% | -0.04% |
| Financial Health | ||
| Profit Margin (TTM) | -0.01% | 0.16% |
| Operating Margin (TTM) | 0.05% | 0.21% |
| Return on Equity (TTM) | -0.01% | 0.33% |
| Debt to Equity (MRQ) | 212.94 | 187.93 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $7.51 | $46.42 |
| Cash per Share (MRQ) | $4.16 | $83.01 |
| Operating Cash Flow (TTM) | $-65,234,000 | $13.09B |
| Levered Free Cash Flow (TTM) | $-223,471,008 | $10.00B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.99% |
| Last 12-Month Dividend | N/A | $2.92 |
Valuation & Enterprise Metrics Analysis: Upstart Holdings vs American Express
| Metric | UPST | AXP |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | -43.81 | 22.83 |
| Forward P/E | 166.00 | 21.52 |
| PEG Ratio | 0.40 | -11.87 |
| Price to Sales (TTM) | 6.86 | 3.57 |
| Price to Book (MRQ) | 8.40 | 7.01 |
| Market Capitalization | ||
| Market Capitalization | $6.07B | $226.38B |
| Enterprise Value | $7.21B | $229.34B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 8.15 | 3.62 |
| Enterprise to EBITDA | 1,306.20 | N/A |
| Risk & Other Metrics | ||
| Beta | 2.38 | 1.29 |
| Book Value per Share (MRQ) | $7.51 | $46.42 |
Financial Statements Comparison: Upstart Holdings vs American Express
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | UPST | AXP |
|---|---|---|
| Revenue/Sales | $213.37M | $17.86B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $-2.42M | $3.55B |
| Income Tax | $29,000 | $665.00M |
| Net Income (Profit) | $-2.45M | $2.89B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UPST | AXP |
|---|---|---|
| Cash & Equivalents | $605.37M | $52.41B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $1.25B | $51.24B |
| Total Shareholders Equity | $676.64M | $31.20B |
| Retained Earnings | $-413.60M | $23.39B |
| Property, Plant & Equipment | $40.56M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UPST | AXP |
|---|---|---|
| Operating Cash Flow | $35.13M | $3.61B |
| Capital Expenditures | $0 | $-430.00M |
| Free Cash Flow | $-19.65M | $4.33B |
| Debt Repayment | $-133.73M | $-3.53B |
| Common Stock Repurchase | N/A | $-1.21B |
Short Interest & Institutional Ownership Analysis
| Metric | UPST | AXP |
|---|---|---|
| Shares Short | 21.10M | 10.58M |
| Short Ratio | 2.75 | 4.48 |
| Short % of Float | 0.25% | 0.02% |
| Average Daily Volume (10 Day) | 6,790,600 | 2,609,550 |
| Average Daily Volume (90 Day) | 7,576,563 | 2,406,207 |
| Shares Outstanding | 93.47M | 702.00M |
| Float Shares | 84.11M | 542.70M |
| % Held by Insiders | 0.12% | 0.22% |
| % Held by Institutions | 0.66% | 0.65% |
Dividend Analysis & Yield Comparison: Upstart Holdings vs American Express
| Metric | UPST | AXP |
|---|---|---|
| Last 12-Month Dividend | N/A | $2.92 |
| Last 12-Month Dividend Yield | N/A | 0.99% |
| 3-Year Avg Annual Dividend | N/A | $2.33 |
| 3-Year Avg Dividend Yield | N/A | 0.32% |
| 3-Year Total Dividends | N/A | $6.98 |
| Ex-Dividend Date | N/A | Apr 04, 2025 |