PJT vs UPST
PJT Partners Inc. vs Upstart Holdings — AI-powered side-by-side comparison
PJT
PJT Partners Inc.
70
Buy
VS
UPST
Upstart Holdings
54
Watch
| Metric | PJT | UPST |
|---|
| AI Score |
70
|
54
|
| Price |
$174.59
|
$30.57
|
| P/E Ratio |
19.64×
|
48.10×
|
| ROE |
58.4%
|
6.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
64.6%
|
74.4%
|
| Debt / Equity |
1.34×
|
2.54×
|
| Dividend Yield |
0.6%
|
0.0%
|
| RSI (14) |
59.5
|
50.7
|
| Beta |
0.828
|
2.165
|
| Expected Upside |
+4.9%
|
+19.8%
|
AI Committee View
Current Innellis committee reasoning for PJT versus UPST.
PJT leads by 16 points.
PJT scores 70/100 (Buy) versus UPST at 54/100 (Watch).
PJT Committee View
67% 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
- ROE of 71.2% shows genuine earnings power backing the valuation — Value
- EPS growing 79.1% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
Bear Case
- Price-to-book of 26.4x prices in significant intangible value — Value
- MACD histogram negative -- bearish momentum — Technical
- Daily trend (uptrend) conflicts with the weekly trend (downtrend) -- fighting the larger trend — 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