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
| Metric | Upstart Holdings | Mastercard | Better |
|---|---|---|---|
| P/E Ratio (TTM) | -44.51 | 39.22 | Upstart Holdings |
| Price-to-Book Ratio | 8.53 | 67.11 | Upstart Holdings |
| Debt-to-Equity Ratio | 212.94 | 240.92 | Upstart Holdings |
| PEG Ratio | 0.41 | 35.51 | Upstart Holdings |
| EV/EBITDA | 1,323.82 | 28.52 | Mastercard |
| 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 | $13.59B | Mastercard |
| Dividend Yield | N/A | 0.53% | N/A |
| 1-Year Return | 46.62% | 25.53% | Upstart Holdings |
| Price-to-Sales Ratio (TTM) | 6.97 | 17.39 | Upstart Holdings |
| Enterprise Value | $7.30B | $535.49B | Mastercard |
| EV/Revenue Ratio | 8.25 | 17.71 | Upstart Holdings |
| Gross Profit Margin (TTM) | N/A | 77.23% | N/A |
| Revenue per Share (TTM) | $10 | $33 | Mastercard |
| Earnings per Share (Diluted) | $-0.05 | $14.83 | Mastercard |
| Beta (Stock Volatility) | 2.39 | 1.03 | Mastercard |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Upstart Holdings vs Mastercard Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Upstart Holdings | -5.69% | -2.89% | -19.69% | 29.72% | -25.91% | 1.28% |
| Mastercard | 0.23% | 1.97% | 5.56% | -0.15% | 2.99% | 12.08% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Upstart Holdings | 46.62% | 144.27% | 39.67% | 39.67% | 39.67% | 39.67% |
| Mastercard | 25.53% | 76.38% | 59.92% | 522.35% | 2,734.03% | 12,940.31% |
Performance & Financial Health Analysis: Upstart Holdings vs Mastercard
| Metric | UPST | MA |
|---|---|---|
| Market Information | ||
| Market Cap | $6.17B | $525.86B |
| Market Cap Category | Mid cap | Mega cap |
| 10 Day Avg. Volume | 9,857,290 | 2,596,980 |
| 90 Day Avg. Volume | 7,033,197 | 2,594,607 |
| Last Close | $61.58 | $585.51 |
| 52 Week Range | $31.40 - $96.43 | $461.90 - $594.71 |
| % from 52W High | -36.13% | -1.55% |
| All-Time High | $401.49 (Oct 11, 2021) | $594.71 (Jun 11, 2025) |
| % from All-Time High | -84.66% | -1.55% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.91% | 0.17% |
| Quarterly Earnings Growth | 1.02% | 0.14% |
| Financial Health | ||
| Profit Margin (TTM) | -0.01% | 0.45% |
| Operating Margin (TTM) | 0.05% | 0.60% |
| Return on Equity (TTM) | -0.01% | 1.77% |
| Debt to Equity (MRQ) | 212.94 | 240.92 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $7.51 | $8.67 |
| Cash per Share (MRQ) | $4.16 | $10.36 |
| Operating Cash Flow (TTM) | $-65,234,000 | $16.95B |
| Levered Free Cash Flow (TTM) | $-223,471,008 | $15.46B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.53% |
| Last 12-Month Dividend | N/A | $2.84 |
Valuation & Enterprise Metrics Analysis: Upstart Holdings vs Mastercard
| Metric | UPST | MA |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | -44.51 | 39.22 |
| Forward P/E | 168.66 | 35.51 |
| PEG Ratio | 0.41 | 35.51 |
| Price to Sales (TTM) | 6.97 | 17.39 |
| Price to Book (MRQ) | 8.53 | 67.11 |
| Market Capitalization | ||
| Market Capitalization | $6.17B | $525.86B |
| Enterprise Value | $7.30B | $535.49B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 8.25 | 17.71 |
| Enterprise to EBITDA | 1,323.82 | 28.52 |
| Risk & Other Metrics | ||
| Beta | 2.39 | 1.03 |
| Book Value per Share (MRQ) | $7.51 | $8.67 |
Financial Statements Comparison: Upstart Holdings vs Mastercard
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 | MA |
|---|---|---|
| Revenue/Sales | $213.37M | $7.25B |
| Cost of Goods Sold | N/A | $1.69B |
| Gross Profit | N/A | $5.56B |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | $4.30B |
| EBITDA | N/A | $4.58B |
| Pre-Tax Income | $-2.42M | $4.03B |
| Income Tax | $29,000 | $751.00M |
| Net Income (Profit) | $-2.45M | $3.28B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UPST | MA |
|---|---|---|
| Cash & Equivalents | $605.37M | $7.58B |
| Total Current Assets | N/A | $19.80B |
| Total Current Liabilities | N/A | $17.83B |
| Long-Term Debt | $1.25B | $18.80B |
| Total Shareholders Equity | $676.64M | $6.70B |
| Retained Earnings | $-413.60M | $75.50B |
| Property, Plant & Equipment | $40.56M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UPST | MA |
|---|---|---|
| Operating Cash Flow | $35.13M | $4.47B |
| Capital Expenditures | $0 | $-159.00M |
| Free Cash Flow | $-19.65M | $2.02B |
| Debt Repayment | $-133.73M | $-750.00M |
| Common Stock Repurchase | N/A | $-2.55B |
Short Interest & Institutional Ownership Analysis
| Metric | UPST | MA |
|---|---|---|
| Shares Short | 17.53M | 5.16M |
| Short Ratio | 3.10 | 1.93 |
| Short % of Float | 0.21% | 0.01% |
| Average Daily Volume (10 Day) | 9,857,290 | 2,596,980 |
| Average Daily Volume (90 Day) | 7,033,197 | 2,594,607 |
| Shares Outstanding | 93.47M | 913.40M |
| Float Shares | 84.17M | 896.05M |
| % Held by Insiders | 0.12% | 0.01% |
| % Held by Institutions | 0.66% | 0.91% |
Dividend Analysis & Yield Comparison: Upstart Holdings vs Mastercard
| Metric | UPST | MA |
|---|---|---|
| Last 12-Month Dividend | N/A | $2.84 |
| Last 12-Month Dividend Yield | N/A | 0.53% |
| 3-Year Avg Annual Dividend | N/A | $2.09 |
| 3-Year Avg Dividend Yield | N/A | 0.15% |
| 3-Year Total Dividends | N/A | $6.28 |
| Ex-Dividend Date | N/A | Apr 09, 2025 |