Garden Stage (NASDAQ:GSIW) vs. Upstart (NASDAQ:UPST) Financial Survey

Upstart (NASDAQ:UPST) and Garden Stage (NASDAQ:GSIW) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, profitability, dividends, earnings, valuation, institutional ownership and risk.

Profitability

This table compares Upstart and Garden Stage’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Upstart	4.34%	5.63%	1.49%
Garden Stage	N/A	N/A	N/A

Volatility and Risk

Upstart has a beta of 2.26, indicating that its stock price is 126% more volatile than the S&P 500. Comparatively, Garden Stage has a beta of 4.24, indicating that its stock price is 324% more volatile than the S&P 500.

Insider & Institutional Ownership

63.0% of Upstart shares are owned by institutional investors. Comparatively, 0.5% of Garden Stage shares are owned by institutional investors. 16.7% of Upstart shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Upstart and Garden Stage, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Upstart	3	6	7	0	2.25
Garden Stage	1	0	0	0	1.00

Upstart currently has a consensus price target of $45.79, indicating a potential upside of 56.33%. Given Upstart’s stronger consensus rating and higher possible upside, equities analysts plainly believe Upstart is more favorable than Garden Stage.

Earnings & Valuation

This table compares Upstart and Garden Stage”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upstart	$1.12 billion	2.51	$53.60 million	$0.38	77.07
Garden Stage	$5.47 million	5.77	-$4.32 million	N/A	N/A

Upstart has higher revenue and earnings than Garden Stage.

Summary

Upstart beats Garden Stage on 10 of the 12 factors compared between the two stocks.

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.

About Garden Stage

Garden Stage Limited, through its subsidiaries, provides securities dealing and brokerage, underwriting and placing, and other financial services in Hong Kong. It also offers asset management services comprising discretionary account management and fund management services. The company was incorporated in 2022 and is headquartered in Central, Hong Kong. Garden Stage Limited operates as a subsidiary of Oriental Moon Tree Limited.