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

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

Company Profile

SymbolGSUPST
Company NameThe Goldman Sachs Group, Inc.Upstart Holdings, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryCapital MarketsConsumer Finance
Market Capitalization239.14 billion USD5.00 billion USD
ExchangeNYSENasdaqGS
Listing DateMay 4, 1999December 16, 2020
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of GS 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.

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

Historical Performance at a Glance

SymbolGSUPST
5-Day Price Return-1.76%-1.48%
13-Week Price Return9.16%-29.61%
26-Week Price Return44.61%12.88%
52-Week Price Return60.57%33.44%
Month-to-Date Return-0.80%2.28%
Year-to-Date Return37.96%-15.61%
10-Day Avg. Volume1.54M8.76M
3-Month Avg. Volume1.93M6.79M
3-Month Volatility20.80%68.12%
Beta1.382.35

Profitability

Return on Equity (TTM)

GS

12.67%

Capital Markets Industry

Max
38.97%
Q3
22.24%
Median
13.52%
Q1
8.61%
Min
-4.25%

GS’s Return on Equity of 12.67% 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
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.

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

Net Profit Margin (TTM)

GS

12.29%

Capital Markets Industry

Max
69.91%
Q3
37.24%
Median
24.30%
Q1
13.06%
Min
-15.18%

Falling into the lower quartile for the Capital Markets industry, GS’s Net Profit Margin of 12.29% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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.

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

Operating Profit Margin (TTM)

GS

15.68%

Capital Markets Industry

Max
84.86%
Q3
47.16%
Median
32.23%
Q1
18.65%
Min
-21.87%

GS’s Operating Profit Margin of 15.68% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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.

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

Profitability at a Glance

SymbolGSUPST
Return on Equity (TTM)12.67%-0.97%
Return on Assets (TTM)0.89%-0.28%
Net Profit Margin (TTM)12.29%-0.75%
Operating Profit Margin (TTM)15.68%-1.94%
Gross Profit Margin (TTM)38.58%80.43%

Financial Strength

Current Ratio (MRQ)

GS

0.30

Capital Markets Industry

Max
3.37
Q3
1.81
Median
1.01
Q1
0.56
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
4.26
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.

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

Debt-to-Equity Ratio (MRQ)

GS

9.08

Capital Markets Industry

Max
6.52
Q3
2.79
Median
0.96
Q1
0.28
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
6.63
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.

GS 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)

GS

--

Capital Markets Industry

Max
107.59
Q3
48.41
Median
10.85
Q1
4.56
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
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.

GS 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

SymbolGSUPST
Current Ratio (MRQ)0.301.48
Quick Ratio (MRQ)0.301.48
Debt-to-Equity Ratio (MRQ)9.081.98
Interest Coverage Ratio (TTM)---15.69

Growth

Revenue Growth

GS 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

GS 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)

GS

1.96%

Capital Markets Industry

Max
9.02%
Q3
4.54%
Median
2.55%
Q1
1.27%
Min
0.00%

GS’s Dividend Yield of 1.96% 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
7.21%
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.

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

Dividend Payout Ratio (TTM)

GS

29.94%

Capital Markets Industry

Max
199.38%
Q3
99.28%
Median
60.67%
Q1
32.00%
Min
0.00%

GS’s Dividend Payout Ratio of 29.94% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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.

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

Dividend at a Glance

SymbolGSUPST
Dividend Yield (TTM)1.96%0.00%
Dividend Payout Ratio (TTM)29.94%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

GS

15.27

Capital Markets Industry

Max
51.69
Q3
29.42
Median
17.58
Q1
12.55
Min
5.59

GS’s P/E Ratio of 15.27 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

--

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.

GS 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)

GS

1.88

Capital Markets Industry

Max
14.65
Q3
7.29
Median
4.53
Q1
2.26
Min
0.04

In the lower quartile for the Capital Markets industry, GS’s P/S Ratio of 1.88 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

5.87

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

With a P/S Ratio of 5.87, 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.

GS 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)

GS

1.75

Capital Markets Industry

Max
10.83
Q3
5.12
Median
2.66
Q1
1.19
Min
0.37

GS’s P/B Ratio of 1.75 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
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.

GS 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

SymbolGSUPST
Price-to-Earnings Ratio (TTM)15.27--
Price-to-Sales Ratio (TTM)1.885.87
Price-to-Book Ratio (MRQ)1.758.52
Price-to-Free Cash Flow Ratio (TTM)4.6217.20