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 contrast the two businesses based on the strength of their profitability, institutional ownership, valuation, earnings, dividends, risk and analyst recommendations.
Earnings & Valuation
This table compares Upstart and Lufax's gross revenue, earnings per share 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.
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% |
Insider & Institutional Ownership
44.8% of Upstart shares are owned by institutional investors. Comparatively, 15.7% of Lufax shares are owned by institutional investors. 18.9% of Upstart shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Volatility and Risk
Upstart has a beta of 1.05, indicating that its stock price is 5% more volatile than the S&P 500. Comparatively, Lufax has a beta of -0.29, indicating that its stock price is 129% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for Upstart and Lufax, as reported 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 price target of $88.38, suggesting a potential upside of 261.20%. Lufax has a consensus price target of $5.80, suggesting a potential upside of 64.77%. Given Upstart's higher possible upside, research analysts plainly believe Upstart is more favorable than Lufax.
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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