` Comparison: UPST, AXP - Alpha Spread

UPST
vs
AXP

Over the past 12 months, UPST has underperformed AXP, delivering a return of -41% compared to the AXP's +26% growth.

Valuation Growth Profitability Solvency Stocks Performance
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UPST
AXP
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Stocks Compared:
UPST AXP
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Valuation Comparison

UPST Intrinsic Value
70.98 USD
Undervaluation 30%
Intrinsic Value
Price
AXP Intrinsic Value
329.08 USD
Overvaluation 14%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Upstart Holdings Inc
NASDAQ:UPST
49.35 USD
American Express Co
NYSE:AXP
382.56 USD
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Growth Comparison

Growth Over Time
UPST, AXP

UPST
AXP
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Upstart Holdings Inc
Revenue
American Express Co
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
UPST, AXP

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AXP
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Upstart Holdings Inc
NASDAQ:UPST
American Express Co
NYSE:AXP
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What is Free Cash Flow?

Gross Margin

UPST
81.7%
AXP
61.9%

Operating Margin

UPST
2%
AXP
17.8%

Net Margin

UPST
3.3%
AXP
13.7%

FCF Margin

UPST
-39.8%
AXP
25%

ROE

UPST
4.9%
AXP
33.5%

ROA

UPST
1.5%
AXP
3.7%

ROIC

UPST
1.2%
AXP
4.8%

ROCE

UPST
1%
AXP
10.7%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
UPST, AXP

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Performance Gap
UPST, AXP

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UPST
AXP
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
UPST, AXP

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