NU vs UPST
Nu Holdings Ltd. vs Upstart Holdings — AI-powered side-by-side comparison
NU
Nu Holdings Ltd.
59
Buy
VS
UPST
Upstart Holdings
54
Watch
| Metric | NU | UPST |
|---|
| AI Score |
59
|
54
|
| Price |
$15.13
|
$30.57
|
| P/E Ratio |
19.95×
|
48.10×
|
| ROE |
25.4%
|
6.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
44.0%
|
74.4%
|
| Debt / Equity |
3.17×
|
2.54×
|
| Dividend Yield |
0.0%
|
0.0%
|
| RSI (14) |
58.4
|
50.7
|
| Beta |
0.942
|
2.165
|
| Expected Upside |
+7.0%
|
+19.8%
|
AI Committee View
Current Innellis committee reasoning for NU versus UPST.
NU leads by 5 points.
NU scores 59/100 (Buy) versus UPST at 54/100 (Watch).
NU Committee View
50% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 45.4% yoy -- genuine top-line momentum. Risk Analyst remains cautious — high leverage (debt-to-equity 4.17) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 28.9% shows genuine earnings power backing the valuation — Value
- Revenue growing 45.4% YoY -- genuine top-line momentum — Growth
- EPS growing 47.5% YoY — Growth
Bear Case
- Price-to-book of 7.1x prices in significant intangible value — Value
- Debt-to-equity of 4.17 adds balance-sheet risk to the value case — Value
- High leverage (debt-to-equity 4.17) amplifies downside in a stress scenario — Risk
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