Upstart (NASDAQ:UPST) and Greenidge Generation (NASDAQ:GREE) Head to Head Contrast

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

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Greenidge Generation and Upstart, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Greenidge Generation	0	0	0	0	N/A
Upstart	5	5	1	0	1.64

Upstart has a consensus target price of $26.00, indicating a potential upside of 12.46%. Given Upstart’s higher probable upside, analysts clearly believe Upstart is more favorable than Greenidge Generation.

Profitability

This table compares Greenidge Generation and Upstart’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Greenidge Generation	-41.92%	N/A	-27.21%
Upstart	-46.76%	-35.47%	-11.85%

Institutional & Insider Ownership

8.5% of Greenidge Generation shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 40.5% of Greenidge Generation shares are held by company insiders. Comparatively, 18.1% of Upstart shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Greenidge Generation and Upstart’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Greenidge Generation	$70.39 million	0.39	-$29.51 million	($37.93)	-0.07
Upstart	$513.56 million	3.95	-$240.13 million	($2.90)	-7.97

Greenidge Generation has higher earnings, but lower revenue than Upstart. Upstart is trading at a lower price-to-earnings ratio than Greenidge Generation, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

Greenidge Generation has a beta of 3.35, meaning that its stock price is 235% more volatile than the S&P 500. Comparatively, Upstart has a beta of 1.94, meaning that its stock price is 94% more volatile than the S&P 500.

Summary

Upstart beats Greenidge Generation on 7 of the 12 factors compared between the two stocks.

About Greenidge Generation

Greenidge Generation Holdings Inc. operates as an integrated cryptocurrency datacenter and power generation company. The company owns and operates cryptocurrency datacenters in New York and South Carolina. It also owns and operates a 106 MW nameplate natural gas power generation facility. The company was founded in 1937 and is headquartered in Dresden, New York.

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.