Greenidge Generation (NASDAQ:GREE) & Upstart (NASDAQ:UPST) Head to Head Review

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

Volatility and Risk

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

Insider & Institutional Ownership

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

Analyst Recommendations

This is a breakdown of recent ratings for Upstart and Greenidge Generation, as provided by MarketBeat.

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

Upstart presently has a consensus target price of $26.00, indicating a potential upside of 12.85%. Given Upstart’s higher possible upside, research analysts plainly believe Upstart is more favorable than Greenidge Generation.

Valuation & Earnings

This table compares Upstart and Greenidge Generation’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upstart	$513.56 million	3.94	-$240.13 million	($2.90)	-7.94
Greenidge Generation	$70.39 million	0.39	-$29.51 million	($37.93)	-0.07

Greenidge Generation has lower revenue, but higher earnings 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.

Profitability

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

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

Summary

Upstart beats Greenidge Generation on 7 of the 13 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 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.