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

Updated on August 26, 2025

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

Company Profile

Symbol	IBKR	UPST
Company Name	Interactive Brokers Group, Inc.	Upstart Holdings, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Capital Markets	Consumer Finance
Market Capitalization	106.68 billion USD	6.65 billion USD
Exchange	NasdaqGS	NasdaqGS
Listing Date	May 4, 2007	December 16, 2020
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of IBKR 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.

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

Historical Performance at a Glance

Symbol	IBKR	UPST
5-Day Price Return	0.56%	12.28%
13-Week Price Return	21.44%	51.55%
26-Week Price Return	7.91%	-16.80%
52-Week Price Return	102.32%	74.14%
Month-to-Date Return	-4.27%	-15.40%
Year-to-Date Return	42.09%	12.31%
10-Day Avg. Volume	4.45M	7.05M
3-Month Avg. Volume	5.46M	6.52M
3-Month Volatility	31.48%	71.55%
Beta	1.23	2.44

Profitability

Return on Equity (TTM)

IBKR

18.88%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

IBKR’s Return on Equity of 18.88% 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: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

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.

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

Net Profit Margin (TTM)

IBKR

8.57%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

Falling into the lower quartile for the Capital Markets industry, IBKR’s Net Profit Margin of 8.57% 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: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

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.

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

Operating Profit Margin (TTM)

IBKR

42.00%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

IBKR’s Operating Profit Margin of 42.00% is around the midpoint for the Capital Markets 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: 29.38%
Median: 18.31%
Q1: 14.26%
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.

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

Profitability at a Glance

Symbol	IBKR	UPST
Return on Equity (TTM)	18.88%	-0.97%
Return on Assets (TTM)	0.53%	-0.28%
Net Profit Margin (TTM)	8.57%	-0.75%
Operating Profit Margin (TTM)	42.00%	-1.94%
Gross Profit Margin (TTM)	53.08%	80.43%

Financial Strength

Current Ratio (MRQ)

IBKR

0.96

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

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: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

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

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

Debt-to-Equity Ratio (MRQ)

IBKR

4.40

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
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: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

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

IBKR 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)

IBKR

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
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: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

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

IBKR 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

Symbol	IBKR	UPST
Current Ratio (MRQ)	0.96	1.48
Quick Ratio (MRQ)	0.96	1.48
Debt-to-Equity Ratio (MRQ)	4.40	1.98
Interest Coverage Ratio (TTM)	--	-15.69

Growth

Revenue Growth

IBKR 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

IBKR 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)

IBKR

0.11%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

IBKR’s Dividend Yield of 0.11% is in the lower quartile for the Capital Markets industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

UPST

0.00%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
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.

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

Dividend Payout Ratio (TTM)

IBKR

13.84%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

IBKR’s Dividend Payout Ratio of 13.84% 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: 88.53%
Median: 23.79%
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.

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

Dividend at a Glance

Symbol	IBKR	UPST
Dividend Yield (TTM)	0.11%	0.00%
Dividend Payout Ratio (TTM)	13.84%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

IBKR

126.63

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

At 126.63, IBKR’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Capital Markets industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

UPST

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

P/E Ratio data for UPST is currently unavailable.

IBKR 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)

IBKR

10.85

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

IBKR’s P/S Ratio of 10.85 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

7.24

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

With a P/S Ratio of 7.24, 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.

IBKR 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)

IBKR

19.41

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

At 19.41, IBKR’s P/B Ratio is at an extreme premium to the Capital Markets 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.

UPST

8.52

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
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.

IBKR 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

Symbol	IBKR	UPST
Price-to-Earnings Ratio (TTM)	126.63	--
Price-to-Sales Ratio (TTM)	10.85	7.24
Price-to-Book Ratio (MRQ)	19.41	8.52
Price-to-Free Cash Flow Ratio (TTM)	7.03	21.22