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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