CFR vs UPST
Frost Bank vs Upstart Holdings — AI-powered side-by-side comparison
VS
UPST
Upstart Holdings
54
Watch
| Metric | CFR | UPST |
|---|
| AI Score |
69
|
54
|
| Price |
$163.44
|
$30.57
|
| P/E Ratio |
15.49×
|
48.10×
|
| ROE |
14.2%
|
6.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
85.8%
|
74.4%
|
| Debt / Equity |
1.17×
|
2.54×
|
| Dividend Yield |
2.5%
|
0.0%
|
| RSI (14) |
41.4
|
50.7
|
| Beta |
0.519
|
2.165
|
| Expected Upside |
—
|
+19.8%
|
AI Committee View
Current Innellis committee reasoning for CFR versus UPST.
CFR leads by 15 points.
CFR scores 69/100 (Buy) versus UPST at 54/100 (Watch).
CFR Committee View
83% agreement
6 analysts
The primary driver is revenue growing 75.9% yoy -- genuine top-line momentum. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull Case
- ROE of 15.0% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.7% pays you to wait — Value
- Revenue growing 75.9% YoY -- genuine top-line momentum — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Price structure (LH_LL) contradicts the uptrend -- mixed signals — 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