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CME vs. UPST: A Head-to-Head Stock Comparison

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Here’s a clear look at CME and UPST, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolCMEUPST
Company NameCME Group Inc.Upstart Holdings, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryCapital MarketsConsumer Finance
Market Capitalization102.14 billion USD3.62 billion USD
ExchangeNasdaqGSNasdaqGS
Listing DateDecember 6, 2002December 16, 2020
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CME and UPST by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

CME vs. UPST: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolCMEUPST
5-Day Price Return2.80%-0.13%
13-Week Price Return4.06%-39.59%
26-Week Price Return6.22%-27.87%
52-Week Price Return24.94%-42.89%
Month-to-Date Return7.36%-18.52%
Year-to-Date Return22.74%-37.11%
10-Day Avg. Volume1.93M8.95M
3-Month Avg. Volume1.93M7.23M
3-Month Volatility15.58%66.40%
Beta0.272.38

Profitability

Return on Equity (TTM)

CME

13.76%

Capital Markets Industry

Max
41.61%
Q3
22.56%
Median
13.62%
Q1
9.23%
Min
-4.25%

CME’s Return on Equity of 13.76% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

UPST

-0.97%

Consumer Finance Industry

Max
33.41%
Q3
22.03%
Median
12.81%
Q1
8.65%
Min
-3.88%

UPST has a negative Return on Equity of -0.97%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

CME vs. UPST: A comparison of their Return on Equity (TTM) against their respective Capital Markets and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

CME

33.33%

Capital Markets Industry

Max
69.91%
Q3
36.88%
Median
24.30%
Q1
13.14%
Min
-6.20%

CME’s Net Profit Margin of 33.33% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

UPST

3.33%

Consumer Finance Industry

Max
19.71%
Q3
16.62%
Median
13.26%
Q1
9.70%
Min
3.25%

Falling into the lower quartile for the Consumer Finance industry, UPST’s Net Profit Margin of 3.33% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

CME vs. UPST: A comparison of their Net Profit Margin (TTM) against their respective Capital Markets and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

CME

80.16%

Capital Markets Industry

Max
83.68%
Q3
47.64%
Median
32.36%
Q1
19.28%
Min
0.30%

An Operating Profit Margin of 80.16% places CME in the upper quartile for the Capital Markets industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

UPST

2.71%

Consumer Finance Industry

Max
40.60%
Q3
26.23%
Median
18.39%
Q1
14.99%
Min
2.71%

UPST’s Operating Profit Margin of 2.71% is in the lower quartile for the Consumer Finance industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

CME vs. UPST: A comparison of their Operating Profit Margin (TTM) against their respective Capital Markets and Consumer Finance industry benchmarks.

Profitability at a Glance

SymbolCMEUPST
Return on Equity (TTM)13.76%-0.97%
Return on Assets (TTM)2.27%-0.28%
Net Profit Margin (TTM)33.33%3.33%
Operating Profit Margin (TTM)80.16%2.71%
Gross Profit Margin (TTM)95.97%81.68%

Financial Strength

Current Ratio (MRQ)

CME

1.02

Capital Markets Industry

Max
3.43
Q3
1.76
Median
1.00
Q1
0.60
Min
0.04

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

UPST

1.48

Consumer Finance Industry

Max
7.85
Q3
4.55
Median
2.28
Q1
0.81
Min
0.03

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CME vs. UPST: A comparison of their Current Ratio (MRQ) against their respective Capital Markets and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CME

0.12

Capital Markets Industry

Max
6.12
Q3
2.78
Median
0.96
Q1
0.31
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

UPST

1.98

Consumer Finance Industry

Max
6.61
Q3
4.27
Median
2.40
Q1
0.99
Min
0.26

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

CME vs. UPST: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Capital Markets and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

CME

2,242.33

Capital Markets Industry

Max
107.59
Q3
50.42
Median
10.94
Q1
4.37
Min
-36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

UPST

-15.69

Consumer Finance Industry

Max
49.63
Q3
33.37
Median
4.75
Q1
3.20
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

CME vs. UPST: A comparison of their Interest Coverage Ratio (TTM) against their respective Capital Markets and Consumer Finance industry benchmarks.

Financial Strength at a Glance

SymbolCMEUPST
Current Ratio (MRQ)1.021.48
Quick Ratio (MRQ)1.021.48
Debt-to-Equity Ratio (MRQ)0.121.98
Interest Coverage Ratio (TTM)2,242.33-15.69

Growth

Revenue Growth

CME vs. UPST: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CME vs. UPST: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CME

3.81%

Capital Markets Industry

Max
8.63%
Q3
4.88%
Median
2.72%
Q1
1.41%
Min
0.00%

CME’s Dividend Yield of 3.81% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

UPST

0.00%

Consumer Finance Industry

Max
7.23%
Q3
3.63%
Median
2.52%
Q1
0.66%
Min
0.00%

UPST currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

CME vs. UPST: A comparison of their Dividend Yield (TTM) against their respective Capital Markets and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

CME

103.53%

Capital Markets Industry

Max
188.84%
Q3
96.52%
Median
61.58%
Q1
31.74%
Min
0.00%

CME’s Dividend Payout Ratio of 103.53% is in the upper quartile for the Capital Markets industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

UPST

0.00%

Consumer Finance Industry

Max
145.89%
Q3
95.63%
Median
21.64%
Q1
0.00%
Min
0.00%

UPST has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

CME vs. UPST: A comparison of their Dividend Payout Ratio (TTM) against their respective Capital Markets and Consumer Finance industry benchmarks.

Dividend at a Glance

SymbolCMEUPST
Dividend Yield (TTM)3.81%0.00%
Dividend Payout Ratio (TTM)103.53%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

CME

27.16

Capital Markets Industry

Max
47.53
Q3
28.81
Median
16.62
Q1
12.06
Min
5.71

CME’s P/E Ratio of 27.16 is within the middle range for the Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

UPST

108.93

Consumer Finance Industry

Max
31.44
Q3
20.75
Median
13.78
Q1
9.09
Min
2.96

At 108.93, UPST’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Consumer Finance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

CME vs. UPST: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Capital Markets and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

CME

9.05

Capital Markets Industry

Max
13.23
Q3
6.65
Median
4.40
Q1
2.22
Min
0.03

CME’s P/S Ratio of 9.05 is in the upper echelon for the Capital Markets industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

UPST

3.63

Consumer Finance Industry

Max
4.05
Q3
2.65
Median
1.91
Q1
1.12
Min
0.59

UPST’s P/S Ratio of 3.63 is in the upper echelon for the Consumer Finance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

CME vs. UPST: A comparison of their Price-to-Sales Ratio (TTM) against their respective Capital Markets and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

CME

3.45

Capital Markets Industry

Max
10.83
Q3
5.27
Median
2.66
Q1
1.34
Min
0.37

CME’s P/B Ratio of 3.45 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

UPST

8.52

Consumer Finance Industry

Max
4.46
Q3
2.65
Median
1.92
Q1
1.15
Min
0.25

At 8.52, UPST’s P/B Ratio is at an extreme premium to the Consumer Finance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

CME vs. UPST: A comparison of their Price-to-Book Ratio (MRQ) against their respective Capital Markets and Consumer Finance industry benchmarks.

Valuation at a Glance

SymbolCMEUPST
Price-to-Earnings Ratio (TTM)27.16108.93
Price-to-Sales Ratio (TTM)9.053.63
Price-to-Book Ratio (MRQ)3.458.52
Price-to-Free Cash Flow Ratio (TTM)25.0312.07