Comparing Upstart (NASDAQ:UPST) and UC Asset (OTCMKTS:UCASU)

Upstart (NASDAQ:UPST) and UC Asset (OTCMKTS:UCASU) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, earnings, analyst recommendations, dividends, institutional ownership, valuation and risk.

Profitability

This table compares Upstart and UC Asset’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Upstart	5.13%	6.30%	1.74%
UC Asset	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of current ratings for Upstart and UC Asset, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Upstart	4	6	6	0	2.13
UC Asset	0	0	0	0	0.00

Upstart presently has a consensus target price of $48.00, indicating a potential upside of 87.65%. Given Upstart’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Upstart is more favorable than UC Asset.

Institutional & Insider Ownership

63.0% of Upstart shares are owned by institutional investors. 16.7% of Upstart shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Volatility and Risk

Upstart has a beta of 2.16, meaning that its share price is 116% more volatile than the S&P 500. Comparatively, UC Asset has a beta of 3.2, meaning that its share price is 220% more volatile than the S&P 500.

Earnings and Valuation

This table compares Upstart and UC Asset”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upstart	$1.04 billion	2.40	$53.60 million	$0.42	60.90
UC Asset	N/A	N/A	N/A	N/A	N/A

Upstart has higher revenue and earnings than UC Asset.

Summary

Upstart beats UC Asset on 9 of the 10 factors compared between the two stocks.

About Upstart

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

About UC Asset

UC Asset, LP, a limited partnership, invests in real estate for development and redevelopment in the Atlanta area. Its investments primarily consist of ownership interests in residential and commercial properties for redevelopment in the Atlanta metropolitan area. The company also focuses to invest in and develop properties located in communities adjacent to airports and/or central business districts for shared home-office accommodations; and invest in hospitality properties. In addition, it invests in debt investment in the form of promissory notes or private loans. UCF Asset LLC serves as the general partner of the company. The company was founded in 2016 and is based in Atlanta, Georgia.