Upstart (NASDAQ:UPST – Get Free Report) and Gryphon Digital Mining (NASDAQ:GRYP – Get Free Report) are both computer and technology companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, dividends, profitability, institutional ownership, analyst recommendations, risk and valuation.
Volatility and Risk
Upstart has a beta of 2.03, indicating that its share price is 103% more volatile than the S&P 500. Comparatively, Gryphon Digital Mining has a beta of 2.44, indicating that its share price is 144% more volatile than the S&P 500.
Valuation & Earnings
This table compares Upstart and Gryphon Digital Mining”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Upstart | $524.85 million | 5.88 | -$240.13 million | ($2.06) | -17.05 |
| Gryphon Digital Mining | $9.48 million | 2.17 | -$11.58 million | N/A | N/A |
Insider & Institutional Ownership
63.0% of Upstart shares are held by institutional investors. Comparatively, 10.2% of Gryphon Digital Mining shares are held by institutional investors. 18.1% of Upstart shares are held by insiders. Comparatively, 1.2% of Gryphon Digital Mining shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Profitability
This table compares Upstart and Gryphon Digital Mining’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Upstart | -38.05% | -32.01% | -10.23% |
| Gryphon Digital Mining | N/A | N/A | -160.27% |
Analyst Recommendations
This is a breakdown of current ratings and price targets for Upstart and Gryphon Digital Mining, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Upstart | 4 | 7 | 1 | 0 | 1.75 |
| Gryphon Digital Mining | 0 | 1 | 0 | 0 | 2.00 |
Upstart presently has a consensus price target of $26.75, suggesting a potential downside of 23.83%. Given Upstart’s higher probable upside, research analysts clearly believe Upstart is more favorable than Gryphon Digital Mining.
Summary
Upstart beats Gryphon Digital Mining on 7 of the 12 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 Gryphon Digital Mining
Gryphon Digital Mining, Inc. operates as a bitcoin mining company in the United States. It operates mining computers and ESG-led mining. The company was founded in 2020 and is based in Las Vegas, Nevada.
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