UPST vs XXI: stock comparison and AI forecast
Upstart Holdings, Inc. (UPST) and Twenty One Capital, Inc. (XXI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
UPST Upstart Holdings, Inc.
- Price
- $24.84 -21.3% · 6M
- Market Cap
- $2.42B
- P/E Ratio
- 44.4x
- Size
- mid-cap
- AI Forecast
- NO CURRENT FORECAST
XXI Twenty One Capital, Inc.
- Market Cap
- $1.90B
- P/E Ratio
- –
- Size
- small-cap
- AI Forecast
- NO CURRENT FORECAST
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- UPST is 1.3 times larger than XXI by market capitalization ($2.42B against $1.90B).
- Both companies share the SEC industry classification Finance Services.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | UPST | XXI |
|---|---|---|
| Market Cap | $2.42B | $1.90B |
| P/E Ratio | 44.36x | – |
| P/B Ratio | 3.03x | – |
| EPS | $0.56 | – |
| Book Value/Share | $8.20 | – |
| Revenue/Share | $12.81 | – |
| FCF/Share | $-2.97 | – |
Profitability & Margins
| Metric | UPST | XXI |
|---|---|---|
| ROE | 7.6% | – |
| ROA | 1.9% | – |
| Operating Margin | 4.0% | – |
| Net Margin | 4.8% | – |
| EBT Margin | 4.0% | – |
| Tax Rate | 2.7% | – |
Financial Health
| Metric | UPST | XXI |
|---|---|---|
| Current Ratio | – | 71.05x |
| D/E Ratio | 2.98x | – |
| Financial Leverage | 3.98x | – |
| Interest Coverage | 0.9x | -4.2x |
| Working Capital | – | $111M |
Cash Flow
| Metric | UPST | XXI |
|---|---|---|
| Operating Cash Flow | -$284M | – |
| Free Cash Flow | -$289M | – |
| Capital Spending | -$5M | – |
| FCF/Sales | -23.2% | – |
| CapEx/Sales | 0.4% | – |
Operational Efficiency
| Metric | UPST | XXI |
|---|---|---|
| Asset Turnover | 0.39x | – |
| Fixed Assets Turnover | 25.2x | – |
Income Statement
| Metric | UPST | XXI |
|---|---|---|
| Total Revenue | $1.25B | – |
| Operating Income | $50M | -$36M |
| Net Income | $60M | -$230K |
| R&D Expense | $305M | – |
| SG&A Expense | $970M | – |
Dividend & Shareholder Information
| Metric | UPST | XXI |
|---|---|---|
| Shares Outstanding | 97M | 347M |
| Net Income Growth | 903.6% | – |
UPST vs XXI: stock comparison and AI forecast
Which is bigger, UPST or XXI?
UPST is 1.3 times larger than XXI by market capitalization ($2.42B against $1.90B).
Which one does Intratio's AI model rank higher, UPST or XXI?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.