IOND vs UPST: stock comparison and AI forecast
Ionic Digital Inc. (IOND) and Upstart Holdings, Inc. (UPST) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
IOND Ionic Digital Inc.
- Market Cap
- $2.68B
- P/E Ratio
- –
- Size
- mid-cap
- AI Forecast
UPST Upstart Holdings, Inc.
- Price
- $22.14 -23.7% · 6M
- Market Cap
- $2.15B
- P/E Ratio
- 40.3x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- IOND is 1.2 times larger than UPST by market capitalization ($2.68B against $2.15B).
- UPST carries 2.76 times debt per unit of equity, against 0.12 times for IOND.
- Both companies share the SEC industry classification Finance Services.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | IOND | UPST |
|---|---|---|
| Market Cap | $2.68B | $2.15B |
| P/E Ratio | – | 40.26x |
| P/B Ratio | 5.24x | 2.43x |
| EPS | – | $0.55 |
| Book Value/Share | $11.35 | $9.12 |
| Revenue/Share | – | $13.77 |
| FCF/Share | – | $-1.92 |
Profitability & Margins
| Metric | IOND | UPST |
|---|---|---|
| ROE | – | 7.3% |
| ROA | – | 1.9% |
| Operating Margin | – | 4.6% |
| Net Margin | – | 4.9% |
| EBT Margin | – | 4.1% |
| Tax Rate | – | 3.4% |
Financial Health
| Metric | IOND | UPST |
|---|---|---|
| Current Ratio | 24.39x | – |
| D/E Ratio | 0.12x | 2.76x |
| Financial Leverage | 1.81x | 3.76x |
| Interest Coverage | – | 5.5x |
| Working Capital | $616M | – |
Cash Flow
| Metric | IOND | UPST |
|---|---|---|
| Operating Cash Flow | – | -$181M |
| Free Cash Flow | – | -$187M |
| Capital Spending | – | -$6M |
| FCF/Sales | – | -14.0% |
| CapEx/Sales | – | 0.4% |
Operational Efficiency
| Metric | IOND | UPST |
|---|---|---|
| Asset Turnover | – | 0.40x |
| Fixed Assets Turnover | – | 26.2x |
Income Statement
| Metric | IOND | UPST |
|---|---|---|
| Total Revenue | – | $1.34B |
| Operating Income | – | $62M |
| Net Income | – | $65M |
| R&D Expense | – | $334M |
| SG&A Expense | – | $1.03B |
Dividend & Shareholder Information
| Metric | IOND | UPST |
|---|---|---|
| Shares Outstanding | 45M | 97M |
| Net Income Growth | – | 60.5% |
IOND vs UPST: stock comparison and AI forecast
Which is bigger, IOND or UPST?
IOND is 1.2 times larger than UPST by market capitalization ($2.68B against $2.15B).
Which one does Intratio's AI model rank higher, IOND or UPST?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.