Head to Head Comparison: Gryphon Digital Mining (NASDAQ:GRYP) & Upstart (NASDAQ:UPST)

Gryphon Digital Mining (NASDAQ:GRYP) and Upstart (NASDAQ:UPST) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, risk, profitability, earnings, dividends, analyst recommendations and valuation.

Earnings and Valuation

This table compares Gryphon Digital Mining and Upstart”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Gryphon Digital Mining	$9.48 million	2.08	-$11.58 million	N/A	N/A
Upstart	$524.85 million	6.65	-$240.13 million	($2.06)	-19.29

Gryphon Digital Mining has higher earnings, but lower revenue than Upstart.

Profitability

This table compares Gryphon Digital Mining and Upstart’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Gryphon Digital Mining	N/A	N/A	-160.27%
Upstart	-38.05%	-32.01%	-10.23%

Institutional & Insider Ownership

10.2% of Gryphon Digital Mining shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 1.2% of Gryphon Digital Mining shares are held by insiders. Comparatively, 18.1% of Upstart shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings for Gryphon Digital Mining and Upstart, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Gryphon Digital Mining	0	1	0	0	2.00
Upstart	4	7	1	0	1.75

Upstart has a consensus price target of $28.45, suggesting a potential downside of 28.41%. Given Upstart’s higher possible upside, analysts clearly believe Upstart is more favorable than Gryphon Digital Mining.

Risk & Volatility

Gryphon Digital Mining has a beta of 2.44, suggesting that its stock price is 144% more volatile than the S&P 500. Comparatively, Upstart has a beta of 2.03, suggesting that its stock price is 103% more volatile than the S&P 500.

Summary

Upstart beats Gryphon Digital Mining on 7 of the 12 factors compared between the two stocks.

About Gryphon Digital Mining

Gryphon Digital Mining, Inc. operates as a bitcoin mining company in the United States. It operates mining computers and ESG-led mining. The company was founded in 2020 and is based in Las Vegas, Nevada.

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.