Upstart (NASDAQ:UPST – Get Free Report) and Inter & Co. Inc. (NASDAQ:INTR – Get Free Report) are both mid-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, valuation, profitability, analyst recommendations, earnings, institutional ownership and dividends.
Volatility and Risk
Upstart has a beta of 2.26, indicating that its stock price is 126% more volatile than the S&P 500. Comparatively, Inter & Co. Inc. has a beta of 0.95, indicating that its stock price is 5% less volatile than the S&P 500.
Analyst Ratings
This is a summary of recent ratings and recommmendations for Upstart and Inter & Co. Inc., as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Upstart | 3 | 7 | 7 | 0 | 2.24 |
| Inter & Co. Inc. | 0 | 3 | 3 | 0 | 2.50 |
Profitability
This table compares Upstart and Inter & Co. Inc.’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Upstart | 4.34% | 5.63% | 1.49% |
| Inter & Co. Inc. | 12.24% | 14.34% | 1.53% |
Institutional and Insider Ownership
63.0% of Upstart shares are owned by institutional investors. Comparatively, 22.9% of Inter & Co. Inc. shares are owned by institutional investors. 17.3% of Upstart shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Valuation & Earnings
This table compares Upstart and Inter & Co. Inc.”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Upstart | $1.04 billion | 3.19 | $53.60 million | $0.38 | 91.53 |
| Inter & Co. Inc. | $1.93 billion | 1.25 | $235.05 million | $0.60 | 9.12 |
Inter & Co. Inc. has higher revenue and earnings than Upstart. Inter & Co. Inc. is trading at a lower price-to-earnings ratio than Upstart, indicating that it is currently the more affordable of the two stocks.
Summary
Inter & Co. Inc. beats Upstart on 8 of the 14 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 Inter & Co. Inc.
Inter & Co., Inc. Is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Banking, Securities, Insurance Brokerage, Marketplace, Asset Management, Service, and Other. The Banking segment offers checking accounts cards, deposits, loans and advances, and other services through mobile application. The Securities segment is involved in the acquisition, sale and custody of securities, the structuring and distribution of securities in the capital market, and the provision of administration services to investment funds. The Insurance Brokerage segment includes insurance products underwritten by insurance companies, such as warranties, life, property and automobile insurance, and pension products, as well as consortium products provided by a third party. The Marketplace segment operates a digital platform, which offers goods and services to its customers. The Asset Management segment is composed of the operations related to the management of fund portfolios and other assets. The Service segment consists of collection and management of personal information, development and licensing of customized computer programs, development and licensing of non-customized computer programs and technical support, maintenance, and other information technology services. The company was founded on January 26, 2021 and is headquartered in Belo Horizonte, Brazil.
Receive News & Ratings for Upstart Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Upstart and related companies with MarketBeat.com's FREE daily email newsletter.
