Upstart Holdings [UPST] vs Visa [V] Detailed Stock Comparison

Upstart Holdings

NASDAQ
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Visa

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Upstart Holdings wins in 5 metrics, Visa wins in 13 metrics, with 0 ties. Visa appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricUpstart HoldingsVisaBetter
P/E Ratio (TTM)-36.0834.16Upstart Holdings
Price-to-Book Ratio6.9217.86Upstart Holdings
Debt-to-Equity Ratio212.9465.02Visa
PEG Ratio0.332.83Upstart Holdings
EV/EBITDA1,112.2725.00Visa
Profit Margin (TTM)-0.72%52.16%Visa
Operating Margin (TTM)4.65%66.77%Visa
EBITDA Margin (TTM)4.65%66.77%Visa
Return on Equity-0.96%51.76%Visa
Return on Assets (TTM)-0.49%17.05%Visa
Free Cash Flow (TTM)$176.34M$18.69BVisa
Dividend YieldN/A0.50%N/A
1-Year Return25.81%25.87%Visa
Price-to-Sales Ratio (TTM)5.6517.46Upstart Holdings
Enterprise Value$6.14B$680.89BVisa
EV/Revenue Ratio6.9417.51Upstart Holdings
Gross Profit Margin (TTM)N/A80.60%N/A
Revenue per Share (TTM)$10$21Visa
Earnings per Share (Diluted)$-0.05$10.24Visa
Beta (Stock Volatility)2.280.90Visa
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Upstart Holdings vs Visa Stock Performance Analysis

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Upstart Holdings
Visa
Upstart Holdings Stock Overview | Visa Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Upstart Holdings1.25%-9.40%-19.39%-29.61%34.30%-14.54%
Visa-0.16%3.70%-0.29%-2.51%3.08%11.27%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Upstart Holdings25.81%148.85%17.85%17.85%17.85%17.85%
Visa25.87%90.31%69.30%372.88%1,791.03%2,074.27%

News Based Sentiment: Upstart Holdings vs Visa

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

Visa

News based Sentiment: POSITIVE

October was a strong month for Visa, marked by exceeding earnings expectations, launching key initiatives in AI and digital assets, and receiving positive analyst coverage. These developments collectively signal continued growth and innovation, making it a significant month for investors.

View Visa News Sentiment Analysis

Performance & Financial Health Analysis: Upstart Holdings vs Visa

MetricUPSTV
Market Information
Market Cap i$5.06B$679.02B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i8,758,1607,015,000
90 Day Avg. Volume i7,726,0976,118,317
Last Close$52.61$349.28
52 Week Range$31.40 - $96.43$273.24 - $375.51
% from 52W High-45.44%-6.99%
All-Time High$401.49 (Oct 11, 2021)$375.51 (Jun 11, 2025)
% from All-Time High-86.90%-6.99%
Growth Metrics
Quarterly Revenue Growth0.91%0.14%
Quarterly Earnings Growth1.02%0.08%
Financial Health
Profit Margin (TTM) i-0.01%0.52%
Operating Margin (TTM) i0.05%0.67%
Return on Equity (TTM) i-0.01%0.52%
Debt to Equity (MRQ) i212.9465.02
Cash & Liquidity
Book Value per Share (MRQ)$7.51$19.58
Cash per Share (MRQ)$4.16$9.95
Operating Cash Flow (TTM) i$-65,234,000$23.48B
Levered Free Cash Flow (TTM) i$-223,471,008$18.05B
Dividends
Last 12-Month Dividend Yield iN/A0.50%
Last 12-Month Dividend iN/A$1.70

Valuation & Enterprise Metrics Analysis: Upstart Holdings vs Visa

MetricUPSTV
Price Ratios
P/E Ratio (TTM) i-36.0834.16
Forward P/E i136.7427.63
PEG Ratio i0.332.83
Price to Sales (TTM) i5.6517.46
Price to Book (MRQ) i6.9217.86
Market Capitalization
Market Capitalization i$5.06B$679.02B
Enterprise Value i$6.14B$680.89B
Enterprise Value Metrics
Enterprise to Revenue i6.9417.51
Enterprise to EBITDA i1,112.2725.00
Risk & Other Metrics
Beta i2.280.90
Book Value per Share (MRQ) i$7.51$19.58

Financial Statements Comparison: Upstart Holdings vs Visa

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)UPSTV
Revenue/Sales i$213.37M$9.59B
Cost of Goods Sold iN/A$1.88B
Gross Profit iN/A$7.71B
Research & Development iN/AN/A
Operating Income (EBIT) iN/A$6.44B
EBITDA iN/A$6.74B
Pre-Tax Income i$-2.42M$5.44B
Income Tax i$29,000$861.00M
Net Income (Profit) i$-2.45M$4.58B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)UPSTV
Cash & Equivalents i$605.37M$11.73B
Total Current Assets iN/A$32.93B
Total Current Liabilities iN/A$30.38B
Long-Term Debt i$1.25B$16.81B
Total Shareholders Equity i$676.64M$38.03B
Retained Earnings i$-413.60M$16.52B
Property, Plant & Equipment i$40.56MN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)UPSTV
Operating Cash Flow i$35.13M$4.22B
Capital Expenditures i$0$-327.00M
Free Cash Flow i$-19.65M$4.37B
Debt Repayment i$-133.73MN/A
Common Stock Repurchase iN/A$-4.60B

Short Interest & Institutional Ownership Analysis

MetricUPSTV
Shares Short i21.93M26.74M
Short Ratio i3.475.29
Short % of Float i0.26%0.02%
Average Daily Volume (10 Day) i8,758,1607,015,000
Average Daily Volume (90 Day) i7,726,0976,118,317
Shares Outstanding i93.47M1.98B
Float Shares i84.11M1.76B
% Held by Insiders i0.12%0.01%
% Held by Institutions i0.66%0.90%

Dividend Analysis & Yield Comparison: Upstart Holdings vs Visa

MetricUPSTV
Last 12-Month Dividend iN/A$1.70
Last 12-Month Dividend Yield iN/A0.50%
3-Year Avg Annual Dividend iN/A$1.81
3-Year Avg Dividend Yield iN/A0.19%
3-Year Total Dividends iN/A$5.44
Ex-Dividend DateN/AFeb 11, 2025