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

Upstart Holdings, Inc.

NASDAQ
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Visa Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Upstart Holdings, Inc. wins in 3 metrics, Visa Inc. wins in 16 metrics, with 0 ties. Visa Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Upstart Holdings, Inc. Visa Inc. Better
P/E Ratio (TTM) 74.42 28.98 Visa Inc.
Price-to-Book Ratio 4.11 15.42 Upstart Holdings, Inc.
Debt-to-Equity Ratio 237.46 54.61 Visa Inc.
PEG Ratio -0.10 1.66 Visa Inc.
EV/EBITDA 45.63 20.50 Visa Inc.
Profit Margin (TTM) 4.98% 50.23% Visa Inc.
Operating Margin (TTM) 8.88% 68.30% Visa Inc.
EBITDA Margin (TTM) 8.88% 68.30% Visa Inc.
Return on Equity 7.49% 53.95% Visa Inc.
Return on Assets (TTM) 1.74% 18.36% Visa Inc.
Free Cash Flow (TTM) $-166.13M $21.58B Visa Inc.
Dividend Yield N/A 0.78% N/A
1-Year Return -41.37% -8.63% Visa Inc.
Price-to-Sales Ratio (TTM) 2.98 14.39 Upstart Holdings, Inc.
Enterprise Value $4.52B $594.14B Visa Inc.
EV/Revenue Ratio 4.21 14.35 Upstart Holdings, Inc.
Gross Profit Margin (TTM) N/A 81.68% N/A
Revenue per Share (TTM) $11 $21 Visa Inc.
Earnings per Share (Diluted) $0.45 $10.66 Visa Inc.
Beta (Stock Volatility) 2.16 0.80 Visa Inc.
Short % of Float 33.29% 1.40% Visa Inc.

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

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UPST
V

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Upstart Holdings, Inc.6.10%4.39%9.66%16.44%-29.73%-29.41%
Visa Inc.0.44%1.30%-0.59%4.42%-6.65%-6.54%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Upstart Holdings, Inc.-41.37%-18.10%-75.38%-30.82%-30.82%-30.82%
Visa Inc.-8.63%40.84%39.92%318.74%1,632.35%1,903.67%

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

MetricUPSTV
Market Information
Market Cap i$3.21B$596.57B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i4,875,7296,138,912
90 Day Avg. Volume i4,639,5266,859,421
Last Close$32.36$323.82
52 Week Range$23.97 - $87.30$293.89 - $360.22
% from 52W High-62.93%-10.10%
All-Time High$401.49 (Oct 11, 2021)$375.51 (Jun 11, 2025)
% from All-Time High-91.94%-13.77%
Growth Metrics
Quarterly Revenue Growth0.34%0.15%
Quarterly Earnings Growth0.31%0.14%
Financial Health
Profit Margin (TTM) i0.05%0.50%
Operating Margin (TTM) i0.09%0.68%
Return on Equity (TTM) i0.07%0.54%
Debt to Equity (MRQ) i237.4654.61
Cash & Liquidity
Book Value per Share (MRQ)$8.15$20.03
Cash per Share (MRQ)$6.71$8.60
Operating Cash Flow (TTM) i$-147,724,992$24.44B
Levered Free Cash Flow (TTM) i$-275,449,632$22.03B
Dividends
Last 12-Month Dividend Yield iN/A0.78%
Last 12-Month Dividend iN/A$2.52

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

MetricUPST (Apr 26, 2026)V (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i74.4228.98
Forward P/E i10.5521.23
PEG Ratio i-0.101.66
Price to Sales (TTM) i2.9814.39
Price to Book (MRQ) i4.1115.42
Market Capitalization
Market Capitalization i$3.21B$596.57B
Enterprise Value i$4.52B$594.14B
Enterprise Value Metrics
Enterprise to Revenue i4.2114.35
Enterprise to EBITDA i45.6320.50
Risk & Other Metrics
Beta i2.160.80
Book Value per Share (MRQ) i$8.15$20.03

Financial Statements Comparison: Upstart Holdings, Inc. vs Visa 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)V (2025)
Revenue/Sales i1.02B40.00B
Cost of Goods Sold iN/A7.86B
COGS % of Revenue i0.0%19.6%
Gross Profit iN/A32.15B
Gross Margin i0.0%80.4%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A26.56B
Operating Margin i0.0%66.4%
EBITDA iN/A27.78B
EBITDA Margin i0.0%69.4%
Pre-Tax Income i54.33M24.19B
Pre-Tax Income % of Revenue i5.3%60.5%
Income Tax i728,0004.14B
Income Tax % of Revenue i0.1%10.3%
Net Income (Profit) i53.60M20.06B
Profit Margin i5.2%50.1%

Balance Sheet & Liquidity Metrics

MetricUPST (2025)V (2025)
Cash & Equivalents i657.45M17.16B
Total Current Assets iN/A37.77B
Total Current Assets % of Revenue i0.0%94.4%
Total Current Liabilities iN/A35.05B
Total Current Liabilities % of Revenue i0.0%87.6%
Long-Term Debt i1.75B19.60B
Long-Term Debt % of Revenue i171.2%49.0%
Total Shareholders Equity i798.82M37.91B
Retained Earnings i-357.56M15.11B
Retained Earnings % of Revenue i-34.9%37.8%
Property, Plant & Equipment i16.41M0

Cash Flow Statement Comparison

MetricUPST (2025)V (2025)
Operating Cash Flow i-173.12M22.89B
Operating Cash Flow % of Revenue i-16.9%57.2%
Capital Expenditures i-347,000-1.48B
Free Cash Flow i-166.13M21.58B
FCF Margin i-16.2%53.9%
Debt Repayment i-581.84M0
Common Stock Repurchase iN/A-18.32B

Short Interest & Institutional Ownership Analysis

MetricUPSTV
Shares Short i27.64M23.46M
Short Ratio i5.373.17
Short % of Float i33.29%1.40%
Shares Outstanding i98.03M1.93B
Float Shares i80.18M1.74B
% Held by Insiders i12.93%0.59%
% Held by Institutions i68.01%90.99%
% Held by Public i19.06%8.42%

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

MetricUPSTV
Last 12-Month Dividend iN/A$2.52
Last 12-Month Dividend Yield iN/A0.78%
3-Year Avg Annual Dividend iN/A$2.23
3-Year Avg Dividend Yield iN/A0.19%
3-Year Total Dividends iN/A$6.68
Ex-Dividend DateN/AFeb 10, 2026