Upstart Holdings Inc (UPST)vsWells Fargo & Company (WFC)
UPST
Upstart Holdings Inc
$25.59
+1.95%
FINANCIAL SERVICES · Cap: $2.52B
WFC
Wells Fargo & Company
$88.71
-1.76%
FINANCIAL SERVICES · Cap: $273.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 6357% more annual revenue ($83.03B vs $1.29B). WFC leads profitability with a 27.2% profit margin vs 4.7%. WFC trades at a lower P/E of 13.1x. WFC earns a higher WallStSmart Score of 76/100 (B+).
UPST
Buy53
out of 100
Grade: C-
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 42.3% year-over-year
Earnings expanding 211.2% YoY
Mega-cap, among the largest globally
Strong operational efficiency at 37.4%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
ROE of 6.7% — below average capital efficiency
4.7% margin — thin
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : UPST
The strongest argument for UPST centers on Revenue Growth, EPS Growth. Revenue growth of 42.3% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.
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.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
UPST profiles as a hypergrowth stock while WFC is a mature play — different risk/reward profiles.
UPST carries more volatility with a beta of 2.17 — expect wider price swings.
UPST is growing revenue faster at 42.3% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 53/100), backed by strong 27.2% margins. 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.
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.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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