` Comparison: UPST, COF - Alpha Spread

UPST
vs
COF

Over the past 12 months, UPST has underperformed COF, delivering a return of -42% compared to the COF's +30% growth.

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UPST
COF
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Stocks Compared:
UPST COF
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Valuation Comparison

UPST Intrinsic Value
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COF Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Upstart Holdings Inc
NASDAQ:UPST
49.13 USD
Capital One Financial Corp
NYSE:COF
239.29 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
UPST, COF

UPST
COF
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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
Capital One Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
UPST, COF

UPST
COF
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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
Capital One Financial Corp
NYSE:COF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

UPST
81.7%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Upstart Holdings Inc
Capital One Financial Corp
Not applicable for financial companies

Operating Margin

UPST
2%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Upstart Holdings Inc
Capital One Financial Corp
Not applicable for financial companies

Net Margin

UPST
3.3%
COF
2.3%

FCF Margin

UPST
-39.8%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Upstart Holdings Inc
Capital One Financial Corp
Not applicable for financial companies

ROE

UPST
4.9%
COF
1.2%

ROA

UPST
1.5%
COF
0.2%

ROIC

UPST
1.2%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Upstart Holdings Inc
Capital One Financial Corp
Not applicable for financial companies

ROCE

UPST
1%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Upstart Holdings Inc
Capital One Financial Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
UPST, COF

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UPST
COF
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Performance Gap
UPST, COF

Performance Gap Between UPST and COF
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Performance By Year
UPST, COF

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UPST
COF
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