Upstart Holdings Inc (UPST)vsWells Fargo & Company (WFC)
UPST
Upstart Holdings Inc
$29.74
-7.84%
FINANCIAL SERVICES · Cap: $2.92B
WFC
Wells Fargo & Company
$81.94
-0.64%
FINANCIAL SERVICES · Cap: $236.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 6813% more annual revenue ($81.14B vs $1.17B). WFC leads profitability with a 26.7% profit margin vs 4.2%. WFC trades at a lower P/E of 11.9x. WFC earns a higher WallStSmart Score of 74/100 (B).
UPST
Hold50
out of 100
Grade: D+
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 44.6% year-over-year
Earnings expanding 209.1% YoY
Mega-cap, among the largest globally
Attractively priced relative to earnings
Keeps 27 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Areas to Watch
ROE of 6.7% — below average capital efficiency
4.2% margin — thin
Operating margin of 0.9%
Premium valuation, high expectations priced in
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 44.6% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bear Case : UPST
The primary concerns for UPST are Return on Equity, Profit Margin, Operating Margin. A P/E of 74.4x leaves little room for execution misses. Debt-to-equity of 2.70 is elevated, increasing financial risk.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.53 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 2.28 — expect wider price swings.
UPST is growing revenue faster at 44.6% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 50/100), backed by strong 26.7% margins. Both earn "Strong Buy" and "Hold" 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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