51 Credit Card vs Upstart Which Is More Profitable?

51 Credit Card is a Chinese company that provides credit card management services while Upstart is an American lending platform that uses artificial intelligence to provide personal loans. Both companies operate in the fintech industry and have seen significant growth in recent years. 51 Credit Card has a strong presence in China, while Upstart has gained traction in the US market. Investors may be interested in comparing the stock performance and growth potential of these two companies to make informed investment decisions.

51 Credit Card or Upstart?

When comparing 51 Credit Card and Upstart, different investors may prioritize various metrics based on their investment strategies and goals. So, ask yourself what type of investor you are. This will guide you in determining which metrics are most important for your investment decision between 51 Credit Card and Upstart.

Dividend Investors:

Dividend investors look for stable and growing income streams, using dividend metrics to assess potential investments. A company's dividend yield essentially measures the size of its dividend relative to the total market value of the company. 51 Credit Card has a dividend yield of -%, while Upstart has a dividend yield of -%. Beyond the yield itself, considering the growth and sustainability of these dividends is also crucial. 51 Credit Card reports a 5-year dividend growth of 0.00% year and a payout ratio of 0.00%. On the other hand, Upstart reports a 5-year dividend growth of 0.00% year and a payout ratio of 0.00%.

Value Investors:

Value investors focus on financial metrics to determine a stock's intrinsic value compared to its market value. The Price-to-Earnings (P/E) Ratio links stock price to a company's earnings per share, with 51 Credit Card P/E ratio at 24.40 and Upstart's P/E ratio at -41.51. Another crucial valuation metric is the Price-to-Book (P/B) Ratio, which compares stock price with book value per share. 51 Credit Card P/B ratio is 0.35 while Upstart's P/B ratio is 11.72.

Growth Investors:

Growth investors prioritize metrics indicative of a company's expansion potential. Focusing on top-line growth, 51 Credit Card has seen a 5-year revenue growth of -1.00%, while Upstart's is -0.31%. Return on Equity (ROE) measures how effectively a company uses equity investment to generate earnings, with 51 Credit Card's ROE at 1.46% and Upstart's ROE at -27.60%.

Retail Investors:

Retail investors often consider stock affordability and company familiarity. For example, day low prices are HK$0.24 for 51 Credit Card and $76.63 for Upstart. Over the past year, 51 Credit Card's prices ranged from HK$0.07 to HK$0.34, with a yearly change of 422.73%. Upstart's prices fluctuated between $20.25 and $86.07, with a yearly change of 325.04%. Brand recognition also plays a role, as familiarity with a company can influence investment decisions.