Upstart (NASDAQ:UPST – Get Free Report) and HIVE Digital Technologies (NASDAQ:HIVE – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, risk, dividends, institutional ownership, earnings, profitability and valuation.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for Upstart and HIVE Digital Technologies, as provided by MarketBeat.
| 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 target price of $61.80, suggesting a potential downside of 3.56%. HIVE Digital Technologies has a consensus target price of $7.42, suggesting a potential upside of 124.07%. Given HIVE Digital Technologies’ stronger consensus rating and higher probable upside, analysts clearly believe HIVE Digital Technologies is more favorable than Upstart.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Upstart | -30.15% | -32.57% | -10.49% |
| HIVE Digital Technologies | -12.04% | -10.78% | -8.97% |
Volatility & Risk
Upstart has a beta of 2.19, suggesting that its share price is 119% more volatile than the S&P 500. Comparatively, HIVE Digital Technologies has a beta of 3.39, suggesting that its share price is 239% more volatile than the S&P 500.
Valuation & 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 | 10.58 | -$240.13 million | ($1.93) | -33.20 |
| HIVE Digital Technologies | $124.87 million | 3.69 | -$51.21 million | ($0.14) | -23.64 |
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.
Institutional and Insider Ownership
63.0% of Upstart shares are held by institutional investors. Comparatively, 24.4% of HIVE Digital Technologies shares are held by institutional investors. 18.1% of Upstart shares are held by insiders. Comparatively, 9.4% of HIVE Digital Technologies shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
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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