BNY vs UPST
BNY Mellon vs Upstart Holdings — AI-powered side-by-side comparison
VS
UPST
Upstart Holdings
54
Watch
| Metric | BNY | UPST |
|---|
| AI Score |
68
|
54
|
| Price |
$163.65
|
$30.57
|
| P/E Ratio |
18.79×
|
48.10×
|
| ROE |
12.5%
|
6.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
59.1%
|
74.4%
|
| Debt / Equity |
1.38×
|
2.54×
|
| Dividend Yield |
1.4%
|
0.0%
|
| RSI (14) |
58.2
|
50.7
|
| Beta |
1.049
|
2.165
|
| Expected Upside |
—
|
+19.8%
|
AI Committee View
Current Innellis committee reasoning for BNY versus UPST.
BNY leads by 14 points.
BNY scores 68/100 (Buy) versus UPST at 54/100 (Watch).
BNY Committee View
80% agreement
5 analysts
The primary driver is eps growing 31.7% yoy. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- Price-to-book of 0.0x is a discount to asset value — Value
- EPS growing 31.7% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
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