COMP <GO>
UPST vs HSBC // GROSS PROFIT MARGIN
Upstart Holdings Inc. (NASDAQ) VS. HSBC Holdings plc. (NYSE) • 15-METRIC TALLY: UPST 2
— HSBC 9
■ METRIC PARITY
LAST: $23.02 (-7.33%) • MKT CAP: $2.42B
gross-margins
41.00%
LAST: $85.42 (-1.36%) • MKT CAP: $297.33B
gross-margins
41.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UPST VS. HSBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UPST | HSBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.20% | 9.90% | -6.70 | HSBC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 62.4x | 21.0x | +41.40 | HSBC | /valuation <GO> |
| Free Cash Flow Yield | -6.13% | 2.21% | -8.34 | HSBC | /fcf-yield <GO> |
| Operating Margin | 4.10% | 13.90% | -9.80 | HSBC | /operating-margins <GO> |
| Net Profit Margin | 5.10% | 10.90% | -5.80 | HSBC | /net-margins <GO> |
| Revenue Growth (YoY) | 64.00% | 23.10% | +40.90 | 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 | 3.74 | -2.67 | HSBC | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 8/9 | -3.00 | HSBC | /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 | 25.0 | +18.12 | UPST | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.92 | 0.92 | 0.00 | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 37.9x | 27.6x | +10.30 | HSBC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.42B | $297.33B | -$294.91B | HSBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UPST REV | HSBC REV | UPST GROSS % | HSBC GROSS % | UPST FCF | HSBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.04B | — | 44.0% | — | -$148.1M | — |
| FY 2024 | $636.5M | — | 44.0% | — | $185.5M | — |
| FY 2023 | $513.6M | — | 44.0% | — | -$134.8M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UPST // BETA 0.92
HSBC // BETA 0.92