AIG vs. UPST: A Head-to-Head Stock Comparison
UpdatedHere’s a clear look at AIG and UPST, comparing key factors like performance, valuation metrics, dividends, and financial strength. It’s built for investors or anyone curious to see how these two stocks match up.
Company Overview
AIG dominates in value with a market cap of 47.62 billion USD, eclipsing UPST’s 4.18 billion USD by roughly 11.40×.
UPST carries a higher beta at 2.39, indicating it’s more sensitive to market moves, while AIG remains steadier at 0.70.
| Symbol | AIG | UPST |
|---|---|---|
| Company Name | American International Group, Inc. | Upstart Holdings, Inc. |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Financial - Credit Services |
| CEO | Mr. Peter Salvatore Zaffino | Mr. David J. Girouard |
| Price | 82.63 USD | 43.92 USD |
| Market Cap | 47.62 billion USD | 4.18 billion USD |
| Beta | 0.70 | 2.39 |
| Exchange | NYSE | NASDAQ |
| IPO Date | January 2, 1973 | December 16, 2020 |
| ADR | No | No |
Performance Comparison
This chart compares the performance of AIG and UPST over the past year by tracking the growth of an initial $10,000 investment in each (starting one year ago).
Hover over the lines to see the investment’s value and total return (%) at specific dates.
Data is adjusted for dividends and splits.
Valuation Metrics Comparison
The section examines key financial ratios to assess the valuation of AIG and UPST based on earnings, cash flow, sales, and book value. Pay attention to the following notable points where extreme values stand out.
- Neither AIG nor UPST turned a profit—both carry negative P/E ratios of -30.90 and -62.33, underscoring continued losses that pressure their valuations.
- Analysts assign negative forward PEG ratios to both AIG (-1.65) and UPST (-1.99), suggesting expectation of shrinking or negative earnings in the upcoming period—a worrying sign for their profit outlook.
| Symbol | AIG | UPST |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | -30.90 | -62.33 |
| Forward PEG Ratio (TTM) | -1.65 | -1.99 |
| Price-to-Sales Ratio (P/S, TTM) | 1.75 | 5.79 |
| Price-to-Book Ratio (P/B, TTM) | 1.43 | 6.12 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 17.65 | 39.49 |
| EV-to-EBITDA (TTM) | 8.68 | -87.29 |
| EV-to-Sales (TTM) | 2.01 | 6.87 |
| EV-to-Free Cash Flow (TTM) | 20.32 | 46.83 |
Dividend Comparison
AIG delivers a 1.94% dividend yield, blending income with growth, whereas UPST appears to retain its profits, possibly to fund operations, R&D, or other growth initiatives.
| Symbol | AIG | UPST |
|---|---|---|
| Dividend Yield (TTM) | 1.94% | 0.00% |
Financial Strength Metrics Comparison
This section dives into the financial resilience of AIG and UPST, spotlighting key metrics like liquidity, leverage, and debt coverage. Check out the standout observations below where notable differences or extremes pop up.
- AIG’s current ratio of 0.00 signals a possible liquidity squeeze, while UPST at 4.06 comfortably covers its short-term obligations.
- AIG’s quick ratio of 0.00 suggests it may struggle to cover immediate liabilities without selling inventory or raising cash, whereas UPST at 4.06 maintains a comfortable buffer of liquid assets.
- AIG meets its interest obligations (ratio 8.29). In stark contrast, UPST’s negative ratio (-2.43) means its operating earnings (EBIT) don't cover basic operations, let alone interest, signaling serious financial trouble.
| Symbol | AIG | UPST |
|---|---|---|
| Current Ratio (TTM) | 0.00 | 4.06 |
| Quick Ratio (TTM) | 0.00 | 4.06 |
| Debt-to-Equity Ratio (TTM) | 0.21 | 2.04 |
| Debt-to-Assets Ratio (TTM) | 0.05 | 0.60 |
| Interest Coverage Ratio (TTM) | 8.29 | -2.43 |