COMP <GO>
UPST vs BRK-B // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
Upstart Holdings Inc. (NASDAQ) VS. Berkshire Hathaway Inc. (NYSE) • 15-METRIC TALLY: UPST 3
— BRK-B 10
▲ OPTIONS IMPLIED MOVE & PUT/CALL SKEW LEADER: BRK-B
LAST: $23.02 (-7.33%) • MKT CAP: $2.42B
options-implied-move
6.60%
LAST: $542.49 (+0.10%) • MKT CAP: $1.16T
options-implied-move
3.55%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UPST VS. BRK-B)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UPST | BRK-B | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.20% | 11.47% | -8.27 | BRK-B | /roic <GO> |
| EV/EBITDA & P/E Valuation | 62.4x | 9.7x | +52.72 | BRK-B | /valuation <GO> |
| Free Cash Flow Yield | -6.13% | 2.09% | -8.22 | BRK-B | /fcf-yield <GO> |
| Operating Margin | 4.10% | 27.80% | -23.70 | BRK-B | /operating-margins <GO> |
| Net Profit Margin | 5.10% | 22.30% | -17.20 | BRK-B | /net-margins <GO> |
| Revenue Growth (YoY) | 64.00% | 3.93% | +60.07 | 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 | 2.85 | -1.78 | BRK-B | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | UPST | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | 6.60% | 3.55% | +3.05 | BRK-B | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 43.1 | 66.8 | -23.70 | BRK-B | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.92 | 0.61 | +0.31 | UPST | /macro-sensitivity <GO> |
| Forward P/E Multiple | 37.9x | 24.3x | +13.56 | BRK-B | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.42B | $1.16T | -$1.16T | BRK-B | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UPST REV | BRK-B REV | UPST GROSS % | BRK-B GROSS % | UPST FCF | BRK-B FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.04B | $371.44B | 44.0% | — | -$148.1M | $25.04B |
| FY 2024 | $636.5M | $371.43B | 44.0% | — | $185.5M | $11.62B |
| FY 2023 | $513.6M | $364.48B | 44.0% | — | -$134.8M | $29.79B |
| FY 2022 | — | $302.02B | — | — | — | $21.89B |
| FY 2021 | — | $276.19B | — | — | — | $26.15B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UPST // BETA 0.92
BRK-B // BETA 0.61