FlexShopper vs Upstart Which Is More Favorable?

FlexShopper and Upstart are two companies in the financial technology sector that have caught the attention of investors. FlexShopper is a rent-to-own online marketplace that allows consumers to lease products with the option to purchase, while Upstart is a lending platform that uses AI to underwrite loans. Both companies offer innovative solutions in the fintech industry, but have different business models and target markets. Investors are closely watching these stocks to see how they perform in the rapidly changing financial landscape.

FlexShopper or Upstart?

When comparing FlexShopper 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 FlexShopper 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. FlexShopper 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. FlexShopper 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 FlexShopper P/E ratio at -49.67 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. FlexShopper P/B ratio is 0.95 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, FlexShopper has seen a 5-year revenue growth of -0.27%, while Upstart's is -0.31%. Return on Equity (ROE) measures how effectively a company uses equity investment to generate earnings, with FlexShopper's ROE at -1.83% and Upstart's ROE at -27.60%.

Retail Investors:

Retail investors often consider stock affordability and company familiarity. For example, day low prices are $1.14 for FlexShopper and $76.63 for Upstart. Over the past year, FlexShopper's prices ranged from $0.94 to $1.95, with a yearly change of 107.45%. 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.