Capital One Financial Corporation (COF)vsUpstart Holdings Inc (UPST)
COF
Capital One Financial Corporation
$208.30
+0.57%
FINANCIAL SERVICES · Cap: $127.79B
UPST
Upstart Holdings Inc
$25.59
+1.95%
FINANCIAL SERVICES · Cap: $2.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 3641% more annual revenue ($48.11B vs $1.29B). COF leads profitability with a 21.9% profit margin vs 4.7%. COF trades at a lower P/E of 11.5x. COF earns a higher WallStSmart Score of 75/100 (B).
COF
Strong Buy75
out of 100
Grade: B
UPST
Buy53
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 33.6%
Revenue surging 1111.0% year-over-year
Large-cap with strong market position
Revenue surging 42.3% year-over-year
Earnings expanding 211.2% YoY
Areas to Watch
Weak financial health signals
Earnings declined 3.2%
Distress zone — elevated risk
ROE of 6.7% — below average capital efficiency
4.7% margin — thin
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 33.6%. Revenue growth of 1111.0% demonstrates continued momentum.
Bull Case : UPST
The strongest argument for UPST centers on Revenue Growth, EPS Growth. Revenue growth of 42.3% demonstrates continued momentum.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, EPS Growth, Altman Z-Score.
Bear Case : UPST
The primary concerns for UPST are Return on Equity, Profit Margin, P/E Ratio. A P/E of 51.8x leaves little room for execution misses. Debt-to-equity of 2.54 is elevated, increasing financial risk.
Key Dynamics to Monitor
COF profiles as a growth stock while UPST is a hypergrowth play — different risk/reward profiles.
UPST carries more volatility with a beta of 2.17 — expect wider price swings.
COF is growing revenue faster at 1111.0% — sustainability is the question.
COF generates stronger free cash flow (7.9B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 53/100), backed by strong 21.9% margins and 1111.0% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
Upstart Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.
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