Upstart (UPST) Competitors

Credicorp (NYSE:BAP) and Upstart (NASDAQ:UPST) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their community ranking, risk, analyst recommendations, earnings, valuation, institutional ownership, dividends, media sentiment and profitability.

Is BAP or UPST more profitable?

Credicorp has a net margin of 20.94% compared to Upstart's net margin of -20.20%. Credicorp's return on equity of 16.25% beat Upstart's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Credicorp	20.94%	16.25%	2.21%
Upstart	-20.20%	-25.87%	-7.95%

Which has higher valuation and earnings, BAP or UPST?

Credicorp has higher revenue and earnings than Upstart. Upstart is trading at a lower price-to-earnings ratio than Credicorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Credicorp	$21.24B	0.69	$1.47B	$18.39	10.03
Upstart	$628.83M	5.95	-$128.58M	-$1.46	-27.37

Which has more volatility & risk, BAP or UPST?

Credicorp has a beta of 0.99, suggesting that its stock price is 1% less volatile than the S&P 500. Comparatively, Upstart has a beta of 2.39, suggesting that its stock price is 139% more volatile than the S&P 500.

Does the MarketBeat Community believe in BAP or UPST?

Credicorp received 254 more outperform votes than Upstart when rated by MarketBeat users. Likewise, 62.58% of users gave Credicorp an outperform vote while only 32.02% of users gave Upstart an outperform vote.

Company	Underperform	Outperform
Credicorp	Outperform Votes 311 62.58%	Underperform Votes 186 37.42%
Upstart	Outperform Votes 57 32.02%	Underperform Votes 121 67.98%

Do analysts rate BAP or UPST?

Credicorp currently has a consensus price target of $195.67, indicating a potential upside of 6.11%. Upstart has a consensus price target of $69.46, indicating a potential upside of 73.83%. Given Upstart's stronger consensus rating and higher possible upside, analysts plainly believe Upstart is more favorable than Credicorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Credicorp	1 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.00
Upstart	2 Sell rating(s)	7 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.21

Does the media favor BAP or UPST?

In the previous week, Credicorp had 7 more articles in the media than Upstart. MarketBeat recorded 11 mentions for Credicorp and 4 mentions for Upstart. Credicorp's average media sentiment score of 1.69 beat Upstart's score of 0.36 indicating that Credicorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Credicorp	11 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Upstart	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do insiders and institutionals have more ownership in BAP or UPST?

89.8% of Credicorp shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 15.9% of Credicorp shares are owned by insiders. Comparatively, 18.1% of Upstart shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Credicorp beats Upstart on 12 of the 18 factors compared between the two stocks.