COMP <GO>
UPST vs BAC // FREE CASH FLOW YIELD
Upstart Holdings Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: UPST 5
— BAC 7
▲ FREE CASH FLOW YIELD LEADER: BAC
LAST: $23.02 (-7.33%) • MKT CAP: $2.42B
fcf-yield
-6.13%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
fcf-yield
2.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UPST VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UPST | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.20% | 2.50% | +0.70 | UPST | /roic <GO> |
| EV/EBITDA & P/E Valuation | 62.4x | 30.2x | +32.20 | BAC | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | -6.13% | 2.10% | -8.23 | BAC | /fcf-yield <GO> |
| Operating Margin | 4.10% | 32.90% | -28.80 | BAC | /operating-margins <GO> |
| Net Profit Margin | 5.10% | 27.00% | -21.90 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 64.00% | 6.80% | +57.20 | UPST | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.07 | 0.45 | +0.62 | UPST | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 7/9 | -2.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 6.60% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 43.1 | 27.7 | +15.45 | UPST | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.92 | 0.90 | +0.02 | UPST | /macro-sensitivity <GO> |
| Forward P/E Multiple | 37.9x | 10.9x | +27.00 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.42B | $357.61B | -$355.19B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UPST REV | BAC REV | UPST GROSS % | BAC GROSS % | UPST FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.04B | $113.10B | 44.0% | 44.0% | -$148.1M | $7.52B |
| FY 2024 | $636.5M | $105.86B | 44.0% | 44.0% | $185.5M | -$13.57B |
| FY 2023 | $513.6M | $102.77B | 44.0% | 44.0% | -$134.8M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UPST // BETA 0.92
BAC // BETA 0.90