SLM Corporation (SLM) vs Upstart Holdings, Inc. (UPST)
- SLM Corporation SLM 21.81 −1.85%
- Upstart Holdings, Inc. UPST 23.56 −4.81%
SLM Corporation and Upstart Holdings, Inc. are both Credit Services companies. SLM Corporation is the larger, with a market value of $4.2B against $2.4B — 1.7× the size. SLM Corporation trades at the lower P/E: 6.0× against 38.0×. Upstart Holdings, Inc. grew revenue faster over the last twelve months: 46.3% against 5.37%. SLM Corporation has the higher net margin (23.5% vs 4.84%) and the higher return on invested capital (17.8% vs 1.75%). Across the 19 metrics below, SLM Corporation leads on 13 and Upstart Holdings, Inc. on 6.
Valuation
Profitability
| Metric | SLM | UPST | Credit Services median |
|---|---|---|---|
| Gross margin | 63.91% | 82.50% | 77.13% |
| Operating margin | 0.00% | 3.99% | 0.34% |
| Net margin | 23.48% | 4.84% | 9.25% |
| Free cash flow margin | (10.58%) | (24.49%) | 12.91% |
| Return on equity | 33.15% | 7.94% | 8.49% |
| Return on assets | 2.48% | 2.14% | 2.16% |
| Return on invested capital | 17.76% | 1.75% | 4.09% |
Growth
Health
Dividend
Size
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