Webull (NASDAQ:BULL – Get Free Report) and Upstart (NASDAQ:UPST – Get Free Report) are both mid-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, risk, valuation, dividends, profitability, earnings and institutional ownership.
Volatility & Risk
Webull has a beta of -0.15, indicating that its stock price is 115% less volatile than the S&P 500. Comparatively, Upstart has a beta of 2.28, indicating that its stock price is 128% more volatile than the S&P 500.
Valuation and Earnings
This table compares Webull and Upstart”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Webull | $460.26 million | 11.64 | -$22.69 million | ($1.12) | -9.67 |
| Upstart | $844.07 million | 5.74 | -$128.58 million | ($0.08) | -629.75 |
Webull has higher earnings, but lower revenue than Upstart. Upstart is trading at a lower price-to-earnings ratio than Webull, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Webull and Upstart’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Webull | N/A | -0.38% | 0.21% |
| Upstart | -0.75% | -5.95% | -1.75% |
Insider & Institutional Ownership
92.5% of Webull shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 35.0% of Webull shares are held by company insiders. Comparatively, 16.7% of Upstart shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Analyst Ratings
This is a breakdown of current recommendations and price targets for Webull and Upstart, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Webull | 1 | 1 | 2 | 1 | 2.60 |
| Upstart | 2 | 7 | 5 | 0 | 2.21 |
Webull currently has a consensus target price of $18.50, indicating a potential upside of 70.82%. Upstart has a consensus target price of $78.83, indicating a potential upside of 56.48%. Given Webull’s stronger consensus rating and higher possible upside, equities analysts clearly believe Webull is more favorable than Upstart.
Summary
Webull beats Upstart on 11 of the 15 factors compared between the two stocks.
About Webull
Webull Corp. engages in the provision of financial services. It offers trading, wealth management product distribution, market data and information, user community, and investor education. The company was founded by An Quan Wang in 2016 and is headquartered in St. Petersburg, FL.
About Upstart
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
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