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

Upstart Holdings, Inc.

NASDAQ
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Mastercard Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Upstart Holdings, Inc. wins in 4 metrics, Mastercard Inc. wins in 15 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Upstart Holdings, Inc. Mastercard Inc. Better
P/E Ratio (TTM) 74.42 30.95 Mastercard Inc.
Price-to-Book Ratio 4.11 59.09 Upstart Holdings, Inc.
Debt-to-Equity Ratio 237.46 256.04 Upstart Holdings, Inc.
PEG Ratio -0.10 1.27 Mastercard Inc.
EV/EBITDA 45.63 22.63 Mastercard Inc.
Profit Margin (TTM) 4.98% 45.65% Mastercard Inc.
Operating Margin (TTM) 8.88% 57.73% Mastercard Inc.
EBITDA Margin (TTM) 8.88% 57.73% Mastercard Inc.
Return on Equity 7.49% 209.92% Mastercard Inc.
Return on Assets (TTM) 1.74% 23.72% Mastercard Inc.
Free Cash Flow (TTM) $-166.13M $16.43B Mastercard Inc.
Dividend Yield N/A 0.55% N/A
1-Year Return -41.37% -12.82% Mastercard Inc.
Price-to-Sales Ratio (TTM) 2.98 13.92 Upstart Holdings, Inc.
Enterprise Value $4.52B $464.97B Mastercard Inc.
EV/Revenue Ratio 4.21 14.18 Upstart Holdings, Inc.
Gross Profit Margin (TTM) N/A 79.35% N/A
Revenue per Share (TTM) $11 $36 Mastercard Inc.
Earnings per Share (Diluted) $0.45 $16.52 Mastercard Inc.
Beta (Stock Volatility) 2.16 0.83 Mastercard Inc.
Short % of Float 33.29% 0.70% Mastercard Inc.

Upstart Holdings, Inc. vs Mastercard Inc. Stock Performance Analysis

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UPST
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Upstart Holdings, Inc.6.10%4.39%9.66%16.44%-29.73%-29.41%
Mastercard Inc.0.13%1.02%-0.72%-3.51%-13.79%-12.87%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Upstart Holdings, Inc.-41.37%-18.10%-75.38%-30.82%-30.82%-30.82%
Mastercard Inc.-12.82%30.13%33.36%425.22%1,741.34%10,788.44%

Performance & Financial Health Analysis: Upstart Holdings, Inc. vs Mastercard Inc.

MetricUPSTMA
Market Information
Market Cap i$3.21B$448.34B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i4,875,7293,152,477
90 Day Avg. Volume i4,639,5263,291,506
Last Close$32.36$490.64
52 Week Range$23.97 - $87.30$464.52 - $601.77
% from 52W High-62.93%-18.47%
All-Time High$401.49 (Oct 11, 2021)$601.77 (Aug 22, 2025)
% from All-Time High-91.94%-18.47%
Growth Metrics
Quarterly Revenue Growth0.34%0.18%
Quarterly Earnings Growth0.31%0.22%
Financial Health
Profit Margin (TTM) i0.05%0.46%
Operating Margin (TTM) i0.09%0.58%
Return on Equity (TTM) i0.07%2.10%
Debt to Equity (MRQ) i237.46256.04
Cash & Liquidity
Book Value per Share (MRQ)$8.15$8.65
Cash per Share (MRQ)$6.71$12.22
Operating Cash Flow (TTM) i$-147,724,992$17.65B
Levered Free Cash Flow (TTM) i$-275,449,632$16.27B
Dividends
Last 12-Month Dividend Yield iN/A0.55%
Last 12-Month Dividend iN/A$3.15

Valuation & Enterprise Metrics Analysis: Upstart Holdings, Inc. vs Mastercard Inc.

MetricUPST (Apr 26, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i74.4230.95
Forward P/E i10.5522.56
PEG Ratio i-0.101.27
Price to Sales (TTM) i2.9813.92
Price to Book (MRQ) i4.1159.09
Market Capitalization
Market Capitalization i$3.21B$448.34B
Enterprise Value i$4.52B$464.97B
Enterprise Value Metrics
Enterprise to Revenue i4.2114.18
Enterprise to EBITDA i45.6322.63
Risk & Other Metrics
Beta i2.160.83
Book Value per Share (MRQ) i$8.15$8.65

Financial Statements Comparison: Upstart Holdings, Inc. vs Mastercard Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricUPST (2025)MA (2025)
Revenue/Sales i1.02B32.79B
Cost of Goods Sold iN/A7.25B
COGS % of Revenue i0.0%22.1%
Gross Profit iN/A25.54B
Gross Margin i0.0%77.9%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A19.51B
Operating Margin i0.0%59.5%
EBITDA iN/A20.82B
EBITDA Margin i0.0%63.5%
Pre-Tax Income i54.33M18.58B
Pre-Tax Income % of Revenue i5.3%56.7%
Income Tax i728,0003.61B
Income Tax % of Revenue i0.1%11.0%
Net Income (Profit) i53.60M14.97B
Profit Margin i5.2%45.6%

Balance Sheet & Liquidity Metrics

MetricUPST (2025)MA (2025)
Cash & Equivalents i657.45M10.57B
Total Current Assets iN/A23.56B
Total Current Assets % of Revenue i0.0%71.8%
Total Current Liabilities iN/A22.76B
Total Current Liabilities % of Revenue i0.0%69.4%
Long-Term Debt i1.75B18.25B
Long-Term Debt % of Revenue i171.2%55.7%
Total Shareholders Equity i798.82M7.75B
Retained Earnings i-357.56M85.04B
Retained Earnings % of Revenue i-34.9%259.3%
Property, Plant & Equipment i16.41M3.71B

Cash Flow Statement Comparison

MetricUPST (2025)MA (2025)
Operating Cash Flow i-173.12M19.44B
Operating Cash Flow % of Revenue i-16.9%59.3%
Capital Expenditures i-347,000-489.00M
Free Cash Flow i-166.13M16.43B
FCF Margin i-16.2%50.1%
Debt Repayment i-581.84M-750.00M
Common Stock Repurchase iN/A-11.73B

Short Interest & Institutional Ownership Analysis

MetricUPSTMA
Shares Short i27.64M6.24M
Short Ratio i5.371.83
Short % of Float i33.29%0.70%
Shares Outstanding i98.03M894.04M
Float Shares i80.18M883.99M
% Held by Insiders i12.93%0.55%
% Held by Institutions i68.01%90.43%
% Held by Public i19.06%9.02%

Dividend Analysis & Yield Comparison: Upstart Holdings, Inc. vs Mastercard Inc.

MetricUPSTMA
Last 12-Month Dividend iN/A$3.15
Last 12-Month Dividend Yield iN/A0.55%
3-Year Avg Annual Dividend iN/A$2.75
3-Year Avg Dividend Yield iN/A0.14%
3-Year Total Dividends iN/A$8.26
Ex-Dividend DateN/AJan 09, 2026