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SLM Corporation (SLM) vs Upstart Holdings, Inc. (UPST)

SLM Corporation and Upstart Holdings, Inc. are both Credit Services companies. SLM Corporation is the larger, with a market value of $3.2B against $2.2B — 1.5× the size. SLM Corporation trades at the lower P/E: 6.3× against 38.2×. Upstart Holdings, Inc. grew revenue faster over the last twelve months: 8.73% against −5.69%. SLM Corporation has the higher net margin (19.1% vs 4.82%) and the higher return on invested capital (8.72% vs 1.53%). Across the 19 metrics below, Upstart Holdings, Inc. leads on 10 and SLM Corporation on 9.

Valuation

Metric SLM UPST Credit Services median
P/E 6.27 38.16 8.96
P/S 1.13 1.86 1.00
P/B 1.63 2.68 1.23
Price to free cash flow n/m n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 15.95% 2.62% 7.17%
Free cash flow yield (11.71%) (5.99%) 11.75%

Profitability

Metric SLM UPST Credit Services median
Gross margin 61.95% 82.26% 76.61%
Operating margin 0.00% 3.24% 0.34%
Net margin 19.12% 4.82% 8.35%
Free cash flow margin (13.20%) (11.15%) 8.73%
Return on equity 27.00% 7.20% 9.05%
Return on assets 1.86% 1.89% 1.94%
Return on invested capital 8.72% 1.53% 4.56%

Growth

Metric SLM UPST Credit Services median
Revenue growth (TTM) (5.69%) 8.73% 4.49%
EPS growth (last fiscal year) 29.10% 131.25% 21.94%
Revenue growth, 5-year CAGR 5.73% 34.93% 9.22%
Net income growth, 5-year CAGR (3.49%) 55.04% 0.00%

Health

Metric SLM UPST Credit Services median
Debt to equity 2.45 2.29 0.69
Current ratio 1.23 0.55 1.26
Net debt to EBITDA 0.00 10.83 0.11

Dividend

Metric SLM UPST Credit Services median
Dividend yield 2.96% — 1.64%
Payout ratio 0.19 — 0.21

Size

Metric SLM UPST Credit Services median
Market cap 3.20b 2.19b 759.73m

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