COMP <GO>
UPST vs V // GROSS PROFIT MARGIN
Upstart Holdings Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: UPST 1
— V 11
■ METRIC PARITY
LAST: $21.31 (-7.43%) • MKT CAP: $2.24B
gross-margins
—
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UPST VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UPST | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.20% | 32.30% | -29.10 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 62.4x | 28.9x | +33.50 | V | /valuation <GO> |
| Free Cash Flow Yield | -6.13% | 2.90% | -9.03 | V | /fcf-yield <GO> |
| Operating Margin | 4.10% | 60.00% | -55.90 | V | /operating-margins <GO> |
| Net Profit Margin | 5.10% | 50.10% | -45.00 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 64.00% | 11.30% | +52.70 | UPST | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 9/9 | -4.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.1 | 67.7 | -23.60 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.92 | 1.06 | -0.14 | V | /macro-sensitivity <GO> |
| Forward P/E Multiple | 37.9x | 34.0x | +3.90 | V | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.24B | $738.98B | -$736.74B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UPST REV | V REV | UPST GROSS % | V GROSS % | UPST FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.04B | $40.00B | — | — | -$148.1M | $21.26B |
| FY 2024 | $636.5M | $35.93B | — | — | $185.5M | $18.33B |
| FY 2023 | $513.6M | $32.65B | — | — | -$134.8M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UPST // BETA 0.92
V // BETA 1.06