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Lufax (NYSE:LU) & Upstart (NASDAQ:UPST) Head to Head Contrast
Lufax (NYSE:LU) & Upstart (NASDAQ:UPST) Head to Head Contrast
Upstart (NASDAQ:UPST – Get Rating) and Lufax (NYSE:LU – Get Rating) are both computer and technology companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, earnings, institutional ownership, analyst recommendations, profitability, dividends and risk.
Valuation and Earnings
This table compares Upstart and Lufax's top-line revenue, earnings per share (EPS) and valuation.
Get Upstart alerts:Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Upstart | $848.59 million | 2.35 | $135.44 million | $0.89 | 27.49 |
Lufax | $9.70 billion | 0.83 | $2.60 billion | $0.97 | 3.63 |
Lufax has higher revenue and earnings than Upstart. Lufax is trading at a lower price-to-earnings ratio than Upstart, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of current recommendations and price targets for Upstart and Lufax, as provided by MarketBeat.com.Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Upstart | 5 | 6 | 2 | 0 | 1.77 |
Lufax | 1 | 2 | 2 | 0 | 2.20 |
Upstart currently has a consensus target price of $88.38, suggesting a potential upside of 261.20%. Lufax has a consensus target price of $5.80, suggesting a potential upside of 64.77%. Given Upstart's higher possible upside, equities analysts clearly believe Upstart is more favorable than Lufax.
Profitability
This table compares Upstart and Lufax's net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Upstart | 8.48% | 11.50% | 4.96% |
Lufax | 23.77% | 16.50% | 4.40% |
Risk and Volatility
Upstart has a beta of 1.05, meaning that its stock price is 5% more volatile than the S&P 500. Comparatively, Lufax has a beta of -0.29, meaning that its stock price is 129% less volatile than the S&P 500.
Institutional and Insider Ownership
44.8% of Upstart shares are held by institutional investors. Comparatively, 15.7% of Lufax shares are held by institutional investors. 18.9% of Upstart shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Summary
Upstart beats Lufax on 7 of the 13 factors compared between the two stocks.
About Upstart
(Get Rating)
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
About Lufax
(Get Rating)
Lufax Holding Ltd operates a technology-empowered personal financial services platform in China. It offers loan products, including unsecured loans and secured loans, as well as consumer finance loans. The company also provides wealth management platforms, such as Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong) to the middle class and affluent investors to invest in products and portfolios; retail credit facilitation services platform that offers small business owners with lending solutions; and technology empowerment solutions for financial institutions. Lufax Holding Ltd was founded in 2005 and is headquartered in Shanghai, China.
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Upstart (NASDAQ:UPST – Get Rating) and Lufax (NYSE:LU – Get Rating) are both computer and technology companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, earnings, institutional ownership, analyst recommendations, profitability, dividends and risk.
Upstart(納斯達克:UPST-GET評級)和陸金所控股(紐交所:LU-GET評級)都是計算機和科技公司,但哪一家是優勢投資?我們將根據兩家公司的估值、收益、機構持股、分析師建議、盈利能力、股息和風險等方面的實力進行比較。
Valuation and Earnings
估值和收益
This table compares Upstart and Lufax's top-line revenue, earnings per share (EPS) and valuation.
下表比較了upstart和陸金所控股的營收、每股收益(EPS)和估值。
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Upstart | $848.59 million | 2.35 | $135.44 million | $0.89 | 27.49 |
Lufax | $9.70 billion | 0.83 | $2.60 billion | $0.97 | 3.63 |
總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
Upstart | 8.4859億美元 | 2.35 | 1.3544億美元 | $0.89 | 27.49 |
陸金所控股 | 97億美元 | 0.83 | 26億美元 | $0.97 | 3.63 |
Lufax has higher revenue and earnings than Upstart. Lufax is trading at a lower price-to-earnings ratio than Upstart, indicating that it is currently the more affordable of the two stocks.
陸金所控股的營收和收益都比upstart高。陸金所控股目前的市盈率低於upstart,説明目前它是兩隻股票中價格更實惠的那一隻。
Analyst Ratings
分析師評級
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Upstart | 5 | 6 | 2 | 0 | 1.77 |
Lufax | 1 | 2 | 2 | 0 | 2.20 |
銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
Upstart | 5 | 6 | 2 | 0 | 1.77 |
陸金所控股 | 1 | 2 | 2 | 0 | 2.20 |
Upstart currently has a consensus target price of $88.38, suggesting a potential upside of 261.20%. Lufax has a consensus target price of $5.80, suggesting a potential upside of 64.77%. Given Upstart's higher possible upside, equities analysts clearly believe Upstart is more favorable than Lufax.
Upstart目前的一致目標價為88.38美元,暗示潛在上行261.20%。陸金所控股的一致目標價為5.8美元,暗示潛在上行空間為64.77%。考慮到upstart更有可能的上行空間,股票分析師顯然認為upstart比陸金所控股更有利。
Profitability
盈利能力
This table compares Upstart and Lufax's net margins, return on equity and return on assets.
下表比較了upstart和陸金所控股的淨利潤率、股本回報率和資產回報率。
Net Margins | Return on Equity | Return on Assets | |
Upstart | 8.48% | 11.50% | 4.96% |
Lufax | 23.77% | 16.50% | 4.40% |
淨利潤率 | 股本回報率 | 資產回報率 | |
Upstart | 8.48% | 11.50% | 4.96% |
陸金所控股 | 23.77% | 16.50% | 4.40% |
Risk and Volatility
風險和波動性
Upstart has a beta of 1.05, meaning that its stock price is 5% more volatile than the S&P 500. Comparatively, Lufax has a beta of -0.29, meaning that its stock price is 129% less volatile than the S&P 500.
Upstart的貝塔係數為1.05,這意味着其股價的波動性比標準普爾500指數高出5%。相比之下,新浪陸金所控股的貝塔指數為-0.29,這意味着其股價的波動性比標準普爾500指數低129%。
Institutional and Insider Ownership
機構和內部人持股
44.8% of Upstart shares are held by institutional investors. Comparatively, 15.7% of Lufax shares are held by institutional investors. 18.9% of Upstart shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Upstart 44.8%的股份由機構投資者持有。相比之下,機構投資者持有陸金所控股15.7%的股份。Upstart 18.9%的股份由公司內部人士持有。強大的機構持股表明,對衝基金、捐贈基金和大型基金管理公司相信,一家公司有望實現長期增長。
Summary
摘要
Upstart beats Lufax on 7 of the 13 factors compared between the two stocks.
在比較兩隻股票的13個因素中,upstart有7個勝過陸金所控股。
About Upstart
關於upstart
(Get Rating)
(獲取評級)
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
Upstart控股有限公司及其子公司在美國運營着一個基於雲的人工智能(AI)貸款平臺。它的平臺聚合了消費者的貸款需求,並將其連接到該公司支持人工智能的銀行合作伙伴網絡。該公司成立於2012年,總部設在加利福尼亞州聖馬特奧。
About Lufax
關於陸金所控股
(Get Rating)
(獲取評級)
Lufax Holding Ltd operates a technology-empowered personal financial services platform in China. It offers loan products, including unsecured loans and secured loans, as well as consumer finance loans. The company also provides wealth management platforms, such as Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong) to the middle class and affluent investors to invest in products and portfolios; retail credit facilitation services platform that offers small business owners with lending solutions; and technology empowerment solutions for financial institutions. Lufax Holding Ltd was founded in 2005 and is headquartered in Shanghai, China.
陸金所控股在中國經營着一家科技驅動的個人金融服務平臺。它提供貸款產品,包括無擔保貸款和擔保貸款,以及消費金融貸款。該公司還為中產階級和富裕投資者提供財富管理平臺,如陸金所控股(Lu.com)、魯國際(新加坡)和魯國際(香港),以投資於產品和投資組合;零售信貸便利化服務平臺,為小企業主提供貸款解決方案;以及為金融機構提供技術賦能解決方案。陸金所控股成立於2005年,總部設在中國上海。
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在新加坡,moomoo上的投資產品和服務是通過Moomoo Financial Singapore Pte. Ltd.提供,該公司受新加坡金融管理局(MAS)監管(牌照號碼︰CMS101000) ,持有資本市場服務牌照 (CMS) ,持有財務顧問豁免(Exempt Financial Adviser)資質。本內容未經新加坡金融管理局的審查。
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在馬來西亞,moomoo上的投資產品和服務是透過Moomoo Securities Malaysia Sdn. Bhd. 提供,該公司受馬來西亞證券監督委員會(SC)監管(牌照號碼︰eCMSL/A0397/2024) ,持有資本市場服務牌照 (CMSL) 。本內容未經馬來西亞證券監督委員會的審查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd.,Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc和Moomoo Securities Malaysia Sdn. Bhd., 是關聯公司。
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moomoo是Moomoo Technologies Inc.公司提供的金融資訊和交易應用程式。
在美國,moomoo上的投資產品和服務由Moomoo Financial Inc.提供,一家受美國證券交易委員會(SEC)監管的持牌主體。 Moomoo Financial Inc.是金融業監管局(FINRA)和證券投資者保護公司(SIPC)的成員。
在新加坡,moomoo上的投資產品和服務是通過Moomoo Financial Singapore Pte. Ltd.提供,該公司受新加坡金融管理局(MAS)監管(牌照號碼︰CMS101000) ,持有資本市場服務牌照 (CMS) ,持有財務顧問豁免(Exempt Financial Adviser)資質。本內容未經新加坡金融管理局的審查。
在澳大利亞,moomoo上的金融產品和服務是通過Futu Securities (Australia) Ltd提供,該公司是受澳大利亞證券和投資委員會(ASIC)監管的澳大利亞金融服務許可機構(AFSL No. 224663)。請閱讀並理解我們的《金融服務指南》、《條款與條件》、《隱私政策》和其他披露文件,這些文件可在我們的網站 https://www.moomoo.com/au中獲取。
在加拿大,透過moomoo應用程式提供的僅限訂單執行的券商服務由Moomoo Financial Canada Inc.提供,並受加拿大投資監管機構(CIRO)監管。
在馬來西亞,moomoo上的投資產品和服務是透過Moomoo Securities Malaysia Sdn. Bhd. 提供,該公司受馬來西亞證券監督委員會(SC)監管(牌照號碼︰eCMSL/A0397/2024) ,持有資本市場服務牌照 (CMSL) 。本內容未經馬來西亞證券監督委員會的審查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd.,Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc和Moomoo Securities Malaysia Sdn. Bhd., 是關聯公司。
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