ASB vs UPST
Associated Bank vs Upstart Holdings — AI-powered side-by-side comparison
ASB
Associated Bank
71
Buy
VS
UPST
Upstart Holdings
54
Watch
| Metric | ASB | UPST |
|---|
| AI Score |
71
|
54
|
| Price |
$30.82
|
$30.57
|
| P/E Ratio |
10.69×
|
48.10×
|
| ROE |
9.5%
|
6.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
60.5%
|
74.4%
|
| Debt / Equity |
1.01×
|
2.54×
|
| Dividend Yield |
3.1%
|
0.0%
|
| RSI (14) |
38.0
|
50.7
|
| Beta |
0.771
|
2.165
|
| Expected Upside |
—
|
+19.8%
|
AI Committee View
Current Innellis committee reasoning for ASB versus UPST.
ASB leads by 17 points.
ASB scores 71/100 (Buy) versus UPST at 54/100 (Watch).
ASB Committee View
83% agreement
6 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull Case
- P/E of 12.0 is inexpensive for the broad market — Value
- Price-to-book of 0.9x is a discount to asset value — Value
- Dividend yield of 5.0% pays you to wait — Value
Bear Case
- MACD histogram negative -- bearish momentum — Technical
UPST Committee View
33% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 46.3% yoy -- genuine top-line momentum. Value Analyst remains cautious — p/e of 47.7 is expensive by classic value standards. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- Revenue growing 46.3% YoY -- genuine top-line momentum — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- P/E of 47.7 is expensive by classic value standards — Value
- Price-to-book of 5.3x prices in significant intangible value — Value
- Debt-to-equity of 2.29 adds balance-sheet risk to the value case — Value