Contrasting Garden Stage (NASDAQ:GSIW) and Upstart (NASDAQ:UPST)

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

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Garden Stage	$5.47 million	5.78	-$4.32 million	N/A	N/A
Upstart	$1.04 billion	2.62	$53.60 million	$0.38	75.16

Upstart has higher revenue and earnings than Garden Stage.

Insider and Institutional Ownership

0.5% of Garden Stage shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 17.3% of Upstart shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of current ratings for Garden Stage and Upstart, as provided by MarketBeat.com.

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

Upstart has a consensus target price of $45.79, suggesting a potential upside of 60.31%. Given Upstart’s stronger consensus rating and higher probable upside, analysts plainly believe Upstart is more favorable than Garden Stage.

Profitability

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

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

Risk & Volatility

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

Summary

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

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.

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.