Upstart Holdings [UPST] vs Mastercard [MA] Detailed Stock Comparison

Upstart Holdings

NASDAQ
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Mastercard

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Upstart Holdings wins in 7 metrics, Mastercard wins in 11 metrics, with 0 ties. Mastercard appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricUpstart HoldingsMastercardBetter
P/E Ratio (TTM)-36.0839.11Upstart Holdings
Price-to-Book Ratio6.9266.96Upstart Holdings
Debt-to-Equity Ratio212.94240.92Upstart Holdings
PEG Ratio0.332.41Upstart Holdings
EV/EBITDA1,112.2728.46Mastercard
Profit Margin (TTM)-0.72%44.93%Mastercard
Operating Margin (TTM)4.65%59.92%Mastercard
EBITDA Margin (TTM)4.65%59.92%Mastercard
Return on Equity-0.96%176.95%Mastercard
Return on Assets (TTM)-0.49%23.68%Mastercard
Free Cash Flow (TTM)$176.34M$13.59BMastercard
Dividend YieldN/A0.53%N/A
1-Year Return25.81%16.63%Upstart Holdings
Price-to-Sales Ratio (TTM)5.6517.35Upstart Holdings
Enterprise Value$6.14B$534.36BMastercard
EV/Revenue Ratio6.9417.67Upstart Holdings
Gross Profit Margin (TTM)N/A77.23%N/A
Revenue per Share (TTM)$10$33Mastercard
Earnings per Share (Diluted)$-0.05$14.84Mastercard
Beta (Stock Volatility)2.280.97Mastercard
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Upstart Holdings vs Mastercard Stock Performance Analysis

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Upstart Holdings
Mastercard
Upstart Holdings Stock Overview | Mastercard Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Upstart Holdings1.25%-9.40%-19.39%-29.61%34.30%-14.54%
Mastercard-0.28%2.71%-2.16%1.97%9.41%11.11%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Upstart Holdings25.81%148.85%17.85%17.85%17.85%17.85%
Mastercard16.63%96.78%64.72%505.77%2,507.59%12,827.62%

News Based Sentiment: Upstart Holdings vs Mastercard

Upstart Holdings

News based Sentiment: MIXED

October was a month of contrasts for Upstart, with strong earnings growth offset by insider selling and a substantial debt offering. While delinquency rates showed improvement, analyst sentiment remains divided, creating a mixed outlook for investors. The upcoming Q3 earnings report will be critical in clarifying the company's trajectory.

View Upstart Holdings News Sentiment Analysis

Mastercard

News based Sentiment: POSITIVE

Mastercard delivered strong Q2 earnings, launched new initiatives in advertising and digital identity, and expanded support for small businesses. These developments, combined with positive stock performance, indicate a positive trajectory for the company, though valuation remains a consideration.

View Mastercard News Sentiment Analysis

Performance & Financial Health Analysis: Upstart Holdings vs Mastercard

MetricUPSTMA
Market Information
Market Cap i$5.06B$524.73B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i8,758,1602,763,400
90 Day Avg. Volume i7,726,0972,666,430
Last Close$52.61$578.81
52 Week Range$31.40 - $96.43$465.59 - $601.77
% from 52W High-45.44%-3.82%
All-Time High$401.49 (Oct 11, 2021)$601.77 (Aug 22, 2025)
% from All-Time High-86.90%-3.82%
Growth Metrics
Quarterly Revenue Growth0.91%0.17%
Quarterly Earnings Growth1.02%0.14%
Financial Health
Profit Margin (TTM) i-0.01%0.45%
Operating Margin (TTM) i0.05%0.60%
Return on Equity (TTM) i-0.01%1.77%
Debt to Equity (MRQ) i212.94240.92
Cash & Liquidity
Book Value per Share (MRQ)$7.51$8.67
Cash per Share (MRQ)$4.16$10.36
Operating Cash Flow (TTM) i$-65,234,000$16.95B
Levered Free Cash Flow (TTM) i$-223,471,008$15.46B
Dividends
Last 12-Month Dividend Yield iN/A0.53%
Last 12-Month Dividend iN/A$2.84

Valuation & Enterprise Metrics Analysis: Upstart Holdings vs Mastercard

MetricUPSTMA
Price Ratios
P/E Ratio (TTM) i-36.0839.11
Forward P/E i136.7435.44
PEG Ratio i0.332.41
Price to Sales (TTM) i5.6517.35
Price to Book (MRQ) i6.9266.96
Market Capitalization
Market Capitalization i$5.06B$524.73B
Enterprise Value i$6.14B$534.36B
Enterprise Value Metrics
Enterprise to Revenue i6.9417.67
Enterprise to EBITDA i1,112.2728.46
Risk & Other Metrics
Beta i2.280.97
Book Value per Share (MRQ) i$7.51$8.67

Financial Statements Comparison: Upstart Holdings vs Mastercard

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)UPSTMA
Revenue/Sales i$213.37M$7.25B
Cost of Goods Sold iN/A$1.69B
Gross Profit iN/A$5.56B
Research & Development iN/AN/A
Operating Income (EBIT) iN/A$4.30B
EBITDA iN/A$4.58B
Pre-Tax Income i$-2.42M$4.03B
Income Tax i$29,000$751.00M
Net Income (Profit) i$-2.45M$3.28B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)UPSTMA
Cash & Equivalents i$605.37M$7.58B
Total Current Assets iN/A$19.80B
Total Current Liabilities iN/A$17.83B
Long-Term Debt i$1.25B$18.80B
Total Shareholders Equity i$676.64M$6.70B
Retained Earnings i$-413.60M$75.50B
Property, Plant & Equipment i$40.56MN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)UPSTMA
Operating Cash Flow i$35.13M$4.47B
Capital Expenditures i$0$-159.00M
Free Cash Flow i$-19.65M$2.02B
Debt Repayment i$-133.73M$-750.00M
Common Stock Repurchase iN/A$-2.55B

Short Interest & Institutional Ownership Analysis

MetricUPSTMA
Shares Short i21.93M5.88M
Short Ratio i3.472.55
Short % of Float i0.26%0.01%
Average Daily Volume (10 Day) i8,758,1602,763,400
Average Daily Volume (90 Day) i7,726,0972,666,430
Shares Outstanding i93.47M913.40M
Float Shares i84.11M896.00M
% Held by Insiders i0.12%0.01%
% Held by Institutions i0.66%0.90%

Dividend Analysis & Yield Comparison: Upstart Holdings vs Mastercard

MetricUPSTMA
Last 12-Month Dividend iN/A$2.84
Last 12-Month Dividend Yield iN/A0.53%
3-Year Avg Annual Dividend iN/A$2.09
3-Year Avg Dividend Yield iN/A0.15%
3-Year Total Dividends iN/A$6.28
Ex-Dividend DateN/AApr 09, 2025