Upstart vs Walker & Dunlop
UPST and WD side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How UPST and WD compare
Upstart is the larger company, worth 1.4 times as much as Walker & Dunlop ($1.9B against $1.3B).
Upstart grew revenue faster over the last twelve months (46.3% versus 0.87% for Walker & Dunlop).
Upstart keeps more of each dollar of sales as profit, with a net margin of 4.8% compared with −2.6% at Walker & Dunlop.
Walker & Dunlop pays a dividend yielding 7.1%; Upstart does not pay one.
Upstart scores higher on the StockData Score (12 against 9 for Walker & Dunlop), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | UPST | WD |
|---|---|---|
| Size and price | ||
| Market cap | $1.9B | $1.3B |
| Share price | $19.56 | $38.30 |
| Change, 1 year | −50.6% | −42.6% |
| Change, 5 years | −90.5% | −74.7% |
| Beta (5Y) | 3.17 | 1.18 |
| Employees | 1,405 | 1,466 |
| StockData Score | ||
| Total score | 12 (better) | 9 |
| Valuation score | 2 | 2 |
| Growth score | 1 (better) | 0 |
| Performance score | 5 (better) | 2 |
| Health score | 4 (better) | 0 |
| Dividend score | 0 | 5 (better) |
| Valuation | ||
| P/E | 39.9× | – |
| P/S | 1.5× | 1.1× (better) |
| P/B | 2.4× | 0.8× (better) |
| EV/EBITDA | 19.2× | – |
| P/FCF | – | 0.9× |
| FCF yield | −15.2% | 117% (better) |
| Fair value | $22.37 | $79.95 |
| Margin of safety | 12.6% | 52.1% (better) |
| Growth | ||
| Revenue growth (TTM) | 46.3% (better) | 0.87% |
| Revenue growth, 5Y average | 34.9% (better) | 2.6% |
| Net income growth (TTM) | – | −128% |
| EPS growth (TTM) | – | −130% |
| EPS growth, 5Y average | – | −26.6% |
| Profitability | ||
| Operating margin | 4.0% | – |
| Net margin | 4.8% (better) | −2.6% |
| FCF margin | −23.2% | 123% (better) |
| Return on equity | 7.9% (better) | −1.9% |
| Return on invested capital | 21.7% | – |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Altman Z-score | 0.77 | 0.99 (better) |
| Piotroski F-score | 4 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | – | 7.1% |
| Years of dividend growth | – | 7 |
| Dividend growth, 5Y average | – | 13.2% |
| Buyback yield | – | 1.5% |
| Shareholder yield | 0.00% | 8.6% (better) |
| Ownership | ||
| Held by institutions | 60.0% | 86.7% |
| Held by insiders | 12.3% | 4.0% |
| Insider net buying, 12 months | $1.1M (better) | $990K |
| Superinvestors holding | 1 | – |
| Short interest, % of float | 31.1% | 6.5% |
Go deeper
- UPST stock overview
- UPST income statement
- UPST valuation and score
- WD stock overview
- WD income statement
- WD valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.