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

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

Company Profile

SymbolCOFUPST
Company NameCapital One Financial CorporationUpstart Holdings, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceConsumer Finance
Market Capitalization135.53 billion USD4.98 billion USD
ExchangeNYSENasdaqGS
Listing DateNovember 16, 1994December 16, 2020
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of COF 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.

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

Historical Performance at a Glance

SymbolCOFUPST
5-Day Price Return-0.87%-2.12%
13-Week Price Return-2.80%-34.00%
26-Week Price Return29.19%33.78%
52-Week Price Return39.42%26.18%
Month-to-Date Return-0.31%1.89%
Year-to-Date Return18.84%-15.93%
10-Day Avg. Volume3.68M8.47M
3-Month Avg. Volume3.55M6.85M
3-Month Volatility24.52%67.77%
Beta1.192.35

Profitability

Return on Equity (TTM)

COF

0.00%

Consumer Finance Industry

Max
32.87%
Q3
21.72%
Median
12.80%
Q1
9.07%
Min
-3.88%

COF’s Return on Equity of 0.00% is in the lower quartile for the Consumer Finance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

UPST

-0.97%

Consumer Finance Industry

Max
32.87%
Q3
21.72%
Median
12.80%
Q1
9.07%
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.

COF vs. UPST: A comparison of their Return on Equity (TTM) against the Consumer Finance industry benchmark.

Net Profit Margin (TTM)

COF

14.90%

Consumer Finance Industry

Max
19.68%
Q3
17.11%
Median
13.55%
Q1
9.71%
Min
-0.75%

COF’s Net Profit Margin of 14.90% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.

UPST

-0.75%

Consumer Finance Industry

Max
19.68%
Q3
17.11%
Median
13.55%
Q1
9.71%
Min
-0.75%

UPST has a negative Net Profit Margin of -0.75%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

COF vs. UPST: A comparison of their Net Profit Margin (TTM) against the Consumer Finance industry benchmark.

Operating Profit Margin (TTM)

COF

18.33%

Consumer Finance Industry

Max
50.11%
Q3
32.02%
Median
19.92%
Q1
14.90%
Min
-5.45%

COF’s Operating Profit Margin of 18.33% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

UPST

-1.94%

Consumer Finance Industry

Max
50.11%
Q3
32.02%
Median
19.92%
Q1
14.90%
Min
-5.45%

UPST has a negative Operating Profit Margin of -1.94%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

COF vs. UPST: A comparison of their Operating Profit Margin (TTM) against the Consumer Finance industry benchmark.

Profitability at a Glance

SymbolCOFUPST
Return on Equity (TTM)0.00%-0.97%
Return on Assets (TTM)0.00%-0.28%
Net Profit Margin (TTM)14.90%-0.75%
Operating Profit Margin (TTM)18.33%-1.94%
Gross Profit Margin (TTM)--80.43%

Financial Strength

Current Ratio (MRQ)

COF

--

Consumer Finance Industry

Max
7.85
Q3
4.26
Median
2.28
Q1
0.82
Min
0.07

For the Consumer Finance 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
4.26
Median
2.28
Q1
0.82
Min
0.07

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

COF vs. UPST: A comparison of their Current Ratio (MRQ) against the Consumer Finance industry benchmark.

Debt-to-Equity Ratio (MRQ)

COF

0.47

Consumer Finance Industry

Max
6.63
Q3
3.60
Median
2.40
Q1
0.99
Min
0.23

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

UPST

1.98

Consumer Finance Industry

Max
6.63
Q3
3.60
Median
2.40
Q1
0.99
Min
0.23

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

COF vs. UPST: A comparison of their Debt-to-Equity Ratio (MRQ) against the Consumer Finance industry benchmark.

Interest Coverage Ratio (TTM)

COF

--

Consumer Finance Industry

Max
49.63
Q3
28.11
Median
4.75
Q1
2.86
Min
-15.69

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

UPST

-15.69

Consumer Finance Industry

Max
49.63
Q3
28.11
Median
4.75
Q1
2.86
Min
-15.69

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

COF vs. UPST: A comparison of their Interest Coverage Ratio (TTM) against the Consumer Finance industry benchmark.

Financial Strength at a Glance

SymbolCOFUPST
Current Ratio (MRQ)--1.48
Quick Ratio (MRQ)--1.48
Debt-to-Equity Ratio (MRQ)0.471.98
Interest Coverage Ratio (TTM)---15.69

Growth

Revenue Growth

COF 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

COF 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)

COF

0.96%

Consumer Finance Industry

Max
7.21%
Q3
3.38%
Median
2.39%
Q1
0.67%
Min
0.00%

COF’s Dividend Yield of 0.96% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

UPST

0.00%

Consumer Finance Industry

Max
7.21%
Q3
3.38%
Median
2.39%
Q1
0.67%
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.

COF vs. UPST: A comparison of their Dividend Yield (TTM) against the Consumer Finance industry benchmark.

Dividend Payout Ratio (TTM)

COF

23.78%

Consumer Finance Industry

Max
145.89%
Q3
88.89%
Median
25.97%
Q1
9.25%
Min
0.00%

COF’s Dividend Payout Ratio of 23.78% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

UPST

0.00%

Consumer Finance Industry

Max
145.89%
Q3
88.89%
Median
25.97%
Q1
9.25%
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.

COF vs. UPST: A comparison of their Dividend Payout Ratio (TTM) against the Consumer Finance industry benchmark.

Dividend at a Glance

SymbolCOFUPST
Dividend Yield (TTM)0.96%0.00%
Dividend Payout Ratio (TTM)23.78%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

COF

28.16

Consumer Finance Industry

Max
35.93
Q3
20.63
Median
12.65
Q1
9.73
Min
3.96

A P/E Ratio of 28.16 places COF in the upper quartile for the Consumer Finance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

UPST

--

Consumer Finance Industry

Max
35.93
Q3
20.63
Median
12.65
Q1
9.73
Min
3.96

P/E Ratio data for UPST is currently unavailable.

COF vs. UPST: A comparison of their Price-to-Earnings Ratio (TTM) against the Consumer Finance industry benchmark.

Price-to-Sales Ratio (TTM)

COF

1.12

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

In the lower quartile for the Consumer Finance industry, COF’s P/S Ratio of 1.12 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

UPST

5.85

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

With a P/S Ratio of 5.85, UPST trades at a valuation that eclipses even the highest in the Consumer Finance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

COF vs. UPST: A comparison of their Price-to-Sales Ratio (TTM) against the Consumer Finance industry benchmark.

Price-to-Book Ratio (MRQ)

COF

1.23

Consumer Finance Industry

Max
3.80
Q3
2.83
Median
2.02
Q1
1.18
Min
0.26

COF’s P/B Ratio of 1.23 is within the conventional range for the Consumer Finance 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
3.80
Q3
2.83
Median
2.02
Q1
1.18
Min
0.26

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.

COF vs. UPST: A comparison of their Price-to-Book Ratio (MRQ) against the Consumer Finance industry benchmark.

Valuation at a Glance

SymbolCOFUPST
Price-to-Earnings Ratio (TTM)28.16--
Price-to-Sales Ratio (TTM)1.125.85
Price-to-Book Ratio (MRQ)1.238.52
Price-to-Free Cash Flow Ratio (TTM)7.5317.13