Upstart (NASDAQ:UPST – Get Free Report) and HIVE Digital Technologies (NASDAQ:HIVE – Get Free Report) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, dividends, valuation and analyst recommendations.
Valuation and Earnings
This table compares Upstart and HIVE Digital Technologies”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Upstart | $552.43 million | 10.46 | -$240.13 million | ($1.93) | -32.81 |
| HIVE Digital Technologies | $124.87 million | 3.20 | -$51.21 million | ($0.14) | -20.79 |
HIVE Digital Technologies has lower revenue, but higher earnings than Upstart. Upstart is trading at a lower price-to-earnings ratio than HIVE Digital Technologies, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Upstart | 2 | 4 | 5 | 0 | 2.27 |
| HIVE Digital Technologies | 0 | 0 | 6 | 2 | 3.25 |
Upstart presently has a consensus price target of $61.80, indicating a potential downside of 2.40%. HIVE Digital Technologies has a consensus price target of $7.42, indicating a potential upside of 154.87%. Given HIVE Digital Technologies’ stronger consensus rating and higher probable upside, analysts plainly believe HIVE Digital Technologies is more favorable than Upstart.
Institutional and Insider Ownership
63.0% of Upstart shares are owned by institutional investors. Comparatively, 24.4% of HIVE Digital Technologies shares are owned by institutional investors. 18.1% of Upstart shares are owned by company insiders. Comparatively, 9.4% of HIVE Digital Technologies shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Volatility and Risk
Upstart has a beta of 2.19, meaning that its stock price is 119% more volatile than the S&P 500. Comparatively, HIVE Digital Technologies has a beta of 3.39, meaning that its stock price is 239% more volatile than the S&P 500.
Profitability
This table compares Upstart and HIVE Digital Technologies’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Upstart | -30.15% | -32.57% | -10.49% |
| HIVE Digital Technologies | -12.04% | -10.78% | -8.97% |
Summary
HIVE Digital Technologies beats Upstart on 11 of the 15 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 HIVE Digital Technologies
HIVE Digital Technologies Ltd. operates as a cryptocurrency mining company in Canada, Sweden, and Iceland. The company engages in the mining and sale of digital currencies, including Ethereum Classic, Bitcoin, and other coins. It also operates data centers; and offers infrastructure solutions. The company was formerly known as HIVE Blockchain Technologies Ltd. and changed its name to HIVE Digital Technologies Ltd. in July 2023. HIVE Digital Technologies Ltd. was incorporated in 1987 and is headquartered in Vancouver, Canada.
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