MARA vs. UPST: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at MARA and UPST, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | MARA | UPST |
|---|---|---|
| Company Name | MARA Holdings, Inc. | Upstart Holdings, Inc. |
| Country | United States | United States |
| GICS Sector | Information Technology | Financials |
| GICS Industry | Software | Consumer Finance |
| Market Capitalization | 5.71 billion USD | 6.65 billion USD |
| Exchange | NasdaqCM | NasdaqGS |
| Listing Date | May 4, 2012 | December 16, 2020 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of MARA 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.
Historical Performance at a Glance
| Symbol | MARA | UPST |
|---|---|---|
| 5-Day Price Return | 1.52% | 12.28% |
| 13-Week Price Return | -1.60% | 51.55% |
| 26-Week Price Return | -2.41% | -16.80% |
| 52-Week Price Return | -8.66% | 74.14% |
| Month-to-Date Return | -4.23% | -15.40% |
| Year-to-Date Return | -8.17% | 12.31% |
| 10-Day Avg. Volume | 48.96M | 7.05M |
| 3-Month Avg. Volume | 45.86M | 6.52M |
| 3-Month Volatility | 67.66% | 71.55% |
| Beta | 6.42 | 2.44 |
Profitability
Return on Equity (TTM)
MARA
17.52%
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
MARA’s Return on Equity of 17.52% is on par with the norm for the Software 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.
Net Profit Margin (TTM)
MARA
85.02%
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
MARA’s Net Profit Margin of 85.02% is exceptionally high, placing it well beyond the typical range for the Software industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.
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.
Operating Profit Margin (TTM)
MARA
40.16%
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
An Operating Profit Margin of 40.16% places MARA in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
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.
Profitability at a Glance
| Symbol | MARA | UPST |
|---|---|---|
| Return on Equity (TTM) | 17.52% | -0.97% |
| Return on Assets (TTM) | 11.06% | -0.28% |
| Net Profit Margin (TTM) | 85.02% | -0.75% |
| Operating Profit Margin (TTM) | 40.16% | -1.94% |
| Gross Profit Margin (TTM) | -26.24% | 80.43% |
Financial Strength
Current Ratio (MRQ)
MARA
0.54
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
MARA’s Current Ratio of 0.54 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
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.
Debt-to-Equity Ratio (MRQ)
MARA
0.54
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
MARA’s Debt-to-Equity Ratio of 0.54 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
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.
Interest Coverage Ratio (TTM)
MARA
10.78
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
MARA’s Interest Coverage Ratio of 10.78 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.
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.
Financial Strength at a Glance
| Symbol | MARA | UPST |
|---|---|---|
| Current Ratio (MRQ) | 0.54 | 1.48 |
| Quick Ratio (MRQ) | 0.44 | 1.48 |
| Debt-to-Equity Ratio (MRQ) | 0.54 | 1.98 |
| Interest Coverage Ratio (TTM) | 10.78 | -15.69 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
MARA
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
MARA 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.
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.
Dividend Payout Ratio (TTM)
MARA
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
MARA 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.
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.
Dividend at a Glance
| Symbol | MARA | UPST |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
MARA
8.39
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
MARA’s P/E Ratio of 8.39 is below the typical range for the Software industry. This may indicate that the stock is potentially undervalued, or it could reflect market concerns about the company’s future prospects.
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.
Price-to-Sales Ratio (TTM)
MARA
7.13
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
MARA’s P/S Ratio of 7.13 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
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.
Price-to-Book Ratio (MRQ)
MARA
1.15
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
MARA’s P/B Ratio of 1.15 is in the lower quartile for the Software industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
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.
Valuation at a Glance
| Symbol | MARA | UPST |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 8.39 | -- |
| Price-to-Sales Ratio (TTM) | 7.13 | 7.24 |
| Price-to-Book Ratio (MRQ) | 1.15 | 8.52 |
| Price-to-Free Cash Flow Ratio (TTM) | 1,423.48 | 21.22 |