AMERICAN EXPRESS COMPANY vs Upstart Holdings, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where AXP and UPST diverge most: on debt / equity, AXP reads 1.72 and UPST reads 0.00; on revenue growth, AXP reads +10.7% and UPST reads +63.0%. The rest of the comparable metrics sit closer together. What AXP's price implies is a bet that sits within the historical range (earnings-power basis). The bull and bear cases for each are in their full reports below.
| Metric | AXP | UPST |
|---|---|---|
| Price | $336.23 | $27.45 |
| Market cap | $228.3B | $2.7B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| P/E | 20.4 | 67.0 |
| P/B | 6.66 | 3.63 |
| P/S | 3.01 | 2.34 |
| EV/EBITDA | — | 34.2 |
| Revenue growth | +10.7% | +63.0% |
| Operating margin | — | -2.4% |
| Net margin | 15.1% | 4.3% |
| Return on equity | 33.4% | 6.7% |
| Return on assets | 3.7% | 1.7% |
| Dividend yield | 1.0% | — |
| Debt / equity | 1.72 | 0.00 |
| Altman Z (solvency) | 0.87 | 0.92 |
| Piotroski F (quality) | 9 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.