Which is better, UPST or V?

On the Buffett-Fit framework, Visa Inc. (V) currently grades higher than UPST — 79/100 (B grade) vs 44/100 (D). That said, "better" depends on which framework you trust — UPST wins on Benjamin Graham; V wins on Warren Buffett, Philip Fisher, Peter Lynch, Joel Greenblatt, Charlie Munger, and Terry Smith. The full pillar breakdown is on this page.

Should I buy UPST or V?

This page is an educational comparison, not investment advice. Both UPST and V are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is UPST better than V for value investing?

On the Buffett-style value-investing framework, V currently grades higher — 79/100 vs 44/100, a 35-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between UPST and V on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). UPST currently scores 44/100 (D grade); V scores 79/100 (B grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, UPST or V?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. UPST and V are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, UPST or V?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are UPST and V both Financial Services stocks?

Yes — both Upstart Holdings, Inc. (UPST) and Visa Inc. (V) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this UPST vs V comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Upstart Holdings

Visa

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

UPST

Upstart Holdings

Market cap

$2.73B

Sector

Financials

Visa

Market cap

$630.41B

Sector

Financials

Overall winner

Visa V

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	UPST	V	Winner
Warren Buffett	44D	79B	V
Benjamin Graham	81D	74B	UPST
Philip Fisher	46D	78B	V
Peter Lynch	27F	64C	V
Joel Greenblatt	44D	74B	V
Charlie Munger	46D	85A	V
Terry Smith	34F	90A	V

Side-by-side metrics

Metric	UPST	V
Market cap	$2.73B	$630.41B
P/E (TTM)	57.9x	28.4x
EV/EBIT	71.3x	26.8x
ROIC (TTM)	1.77%	32.73%
Gross margin	95.67%	81.29%
Net margin	4.25%	51.68%
Revenue CAGR 5y	6.06%	13.5%
EPS CAGR 5y	-24.57%	16.07%
Debt / Equity	2.7x	0.7x
Dividend yield	0.0%	0.79%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

UPST leads on

Gross margin95.67%vs 81.29%+15%

V leads on

EPS CAGR 5y16.07%vs -24.57%+165%
Dividend yield0.79%vs 0.0%+100%
Market cap$630.41Bvs $2.73B+100%
ROIC (TTM)32.73%vs 1.77%+95%

More like UPST

UPST vs ING.WA UPST vs PKO.WA UPST vs MSCI UPST vs PEO.WA UPST vs SPL.WA UPST vs ICICIBANK.NS

More like V

V vs ING.WA V vs PKO.WA V vs MSCI V vs PEO.WA V vs SPL.WA V vs ICICIBANK.NS

Read the full Buffett-Brain analysis for UPST Read the full Buffett-Brain analysis for V

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Stock comparison

Upstart Holdings

Visa

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

UPST

Upstart Holdings

Market cap

$2.73B

Sector

Financials

Visa

Market cap

$630.41B

Sector

Financials

Overall winner

Visa V

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	UPST	V	Winner
Warren Buffett	44D	79B	V
Benjamin Graham	81D	74B	UPST
Philip Fisher	46D	78B	V
Peter Lynch	27F	64C	V
Joel Greenblatt	44D	74B	V
Charlie Munger	46D	85A	V
Terry Smith	34F	90A	V

Side-by-side metrics

Metric	UPST	V
Market cap	$2.73B	$630.41B
P/E (TTM)	57.9x	28.4x
EV/EBIT	71.3x	26.8x
ROIC (TTM)	1.77%	32.73%
Gross margin	95.67%	81.29%
Net margin	4.25%	51.68%
Revenue CAGR 5y	6.06%	13.5%
EPS CAGR 5y	-24.57%	16.07%
Debt / Equity	2.7x	0.7x
Dividend yield	0.0%	0.79%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

UPST leads on

Gross margin95.67%vs 81.29%+15%

V leads on

EPS CAGR 5y16.07%vs -24.57%+165%
Dividend yield0.79%vs 0.0%+100%
Market cap$630.41Bvs $2.73B+100%
ROIC (TTM)32.73%vs 1.77%+95%

More like UPST

UPST vs ING.WA UPST vs PKO.WA UPST vs MSCI UPST vs PEO.WA UPST vs SPL.WA UPST vs ICICIBANK.NS

More like V

V vs ING.WA V vs PKO.WA V vs MSCI V vs PEO.WA V vs SPL.WA V vs ICICIBANK.NS

Read the full Buffett-Brain analysis for UPST Read the full Buffett-Brain analysis for V

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.