COMP <GO>
MARA vs UPST // REVENUE GROWTH (YOY)
MARA Holdings Inc. (NASDAQ) VS. Upstart Holdings Inc. (NASDAQ) • 15-METRIC TALLY: MARA 3
— UPST 7
▲ REVENUE GROWTH (YOY) LEADER: UPST
LAST: $6.77 (-5.51%) • MKT CAP: $2.77B
revenue-growth
-39.20%
LAST: $23.02 (-7.33%) • MKT CAP: $2.42B
revenue-growth
64.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MARA VS. UPST)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | MARA | UPST | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -15.80% | 3.20% | -19.00 | UPST | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 62.4x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -18.00% | -6.13% | -11.87 | UPST | /fcf-yield <GO> |
| Operating Margin | -60.00% | 4.10% | -64.10 | UPST | /operating-margins <GO> |
| Net Profit Margin | -60.00% | 5.10% | -65.10 | UPST | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | -39.20% | 64.00% | -103.20 | UPST | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | UPST | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 33.6 | 53.3 | -19.70 | UPST | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.03 | 0.92 | +0.11 | MARA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 27.0x | 37.9x | -10.90 | MARA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.77B | $2.42B | $350.6M | MARA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | MARA REV | UPST REV | MARA GROSS % | UPST GROSS % | MARA FCF | UPST FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $58.7M | $1.04B | — | — | -$1.21B | -$148.1M |
| FY 2024 | $96.5M | $636.5M | — | — | -$927.8M | $185.5M |
| FY 2023 | $57.7M | $513.6M | — | — | -$318.2M | -$134.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MARA // BETA 1.03
UPST // BETA 0.92