Comprehensive Stock Comparison
Compare Sentage Holdings Inc. (SNTG) vs Upstart Holdings, Inc. (UPST) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
Selected Stocks
Add up to 10 tickers. Use presets or search to get started.
Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | UPST | 54.2% revenue growth vs SNTG's -26.6% |
| Quality / Margins | UPST | 5.1% net margin vs SNTG's -18.6% |
| Stability / Safety | SNTG | Beta 1.31 vs UPST's 2.55 |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | SNTG | +0.5% vs UPST's -59.2% |
| Efficiency (ROA) | UPST | 1.1% ROA vs SNTG's -32.5%, ROIC 2.2% vs -11.3% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Sentage Holdings is a Chinese financial services company that provides consumer loan repayment and collection management, loan recommendation, and prepaid payment network services. It generates revenue primarily through service fees from its loan management and payment processing operations — with its loan recommendation and collection services likely being the core revenue drivers. The company's competitive advantage lies in its integrated platform that connects borrowers, lenders, and payment networks within China's specialized financial ecosystem.
Upstart operates an AI-powered lending platform that connects borrowers with bank partners using machine learning to assess credit risk. It generates revenue primarily from referral fees paid by banks for approved loans — roughly 80% of revenue — and smaller amounts from servicing fees and interest income. Its key advantage is its proprietary AI underwriting model, which analyzes thousands of data points beyond traditional credit scores to identify creditworthy borrowers that conventional models might miss.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
UPST leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). SNTG leads in 1 (Valuation Metrics). 1 tied.
Financial Metrics (TTM)
UPST is the larger business by revenue, generating $1.0B annually — 9709.7x SNTG's $107,507. UPST is the more profitable business, keeping 5.1% of every revenue dollar as net income compared to SNTG's -18.6%.
| Metric | SNTGSentage Holdings … | UPSTUpstart Holdings,… |
|---|---|---|
| RevenueTrailing 12 months | $107,507 | $1.0B |
| EBITDAEarnings before interest/tax | -$3M | $46M |
| Net IncomeAfter-tax profit | -$4M | $32M |
| Free Cash FlowCash after capex | -$3M | -$374M |
| Gross MarginGross profit ÷ Revenue | +92.5% | — |
| Operating MarginEBIT ÷ Revenue | -16.2% | +4.1% |
| Net MarginNet income ÷ Revenue | -18.6% | +5.1% |
| FCF MarginFCF ÷ Revenue | -16.3% | -14.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +27.7% | +4.1% |
Valuation Metrics
| Metric | SNTGSentage Holdings … | UPSTUpstart Holdings,… |
|---|---|---|
| Market CapShares × price | $5M | $2.7B |
| Enterprise ValueMkt cap + debt − cash | $4M | $2.0B |
| Trailing P/EPrice ÷ TTM EPS | -2.69x | 60.51x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 12.81x |
| PEG RatioP/E ÷ EPS growth rate | — | 4.21x |
| EV / EBITDAEnterprise value multiple | — | 47.31x |
| Price / SalesMarket cap ÷ Revenue | 49.84x | 2.56x |
| Price / BookPrice ÷ Book value/share | 0.52x | 3.66x |
| Price / FCFMarket cap ÷ FCF | — | — |
Profitability & Efficiency
UPST delivers a 4.3% return on equity — every $100 of shareholder capital generates $4 in annual profit, vs $-38 for SNTG.
| Metric | SNTGSentage Holdings … | UPSTUpstart Holdings,… |
|---|---|---|
| ROE (TTM)Return on equity | -38.5% | +4.3% |
| ROA (TTM)Return on assets | -32.5% | +1.1% |
| ROICReturn on invested capital | -11.3% | +2.2% |
| ROCEReturn on capital employed | -14.5% | +1.6% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 3 |
| Debt / EquityFinancial leverage | 0.01x | — |
| Net DebtTotal debt minus cash | -$1M | -$652M |
| Cash & Equiv.Liquid assets | $1M | $652M |
| Total DebtShort + long-term debt | $146,599 | $0 |
| Interest CoverageEBIT ÷ Interest expense | — | 0.85x |
Total Returns (with DRIP)
A $10,000 investment in UPST five years ago would be worth $4,086 today (with dividends reinvested), compared to $3,820 for SNTG. Over the past 12 months, SNTG leads with a +0.5% total return vs UPST's -59.2%. The 3-year compound annual growth rate (CAGR) favors UPST at 13.7% vs SNTG's -2.3% — a key indicator of consistent wealth creation.
| Metric | SNTGSentage Holdings … | UPSTUpstart Holdings,… |
|---|---|---|
| YTD ReturnYear-to-date | -4.0% | -40.6% |
| 1-Year ReturnPast 12 months | +0.5% | -59.2% |
| 3-Year ReturnCumulative with dividends | -6.8% | +47.1% |
| 5-Year ReturnCumulative with dividends | -61.8% | -59.1% |
| 10-Year ReturnCumulative with dividends | -61.8% | -7.6% |
| CAGR (3Y)Annualised 3-year return | -2.3% | +13.7% |
Risk & Volatility
SNTG is the less volatile stock with a 1.31 beta — it tends to amplify market swings less than UPST's 2.55 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. UPST currently trades 31.2% from its 52-week high vs SNTG's 15.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SNTGSentage Holdings … | UPSTUpstart Holdings,… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.31x | 2.55x |
| 52-Week HighHighest price in past year | $12.70 | $87.30 |
| 52-Week LowLowest price in past year | $1.43 | $26.80 |
| % of 52W HighCurrent price vs 52-week peak | +15.0% | +31.2% |
| RSI (14)Momentum oscillator 0–100 | 45.1 | 33.9 |
| Avg Volume (50D)Average daily shares traded | 16K | 4.2M |
Analyst Outlook
| Metric | SNTGSentage Holdings … | UPSTUpstart Holdings,… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $45.17 |
| # AnalystsCovering analysts | — | 22 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Jul 21 | Feb 26 | Change |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | 100 | 44.2 | -55.8% |
| Upstart Holdings, I… (UPST) | 100 | 29.75 | -70.2% |
Upstart Holdings, I… (UPST) returned -59% over 5 years vs Sentage Holdings In… (SNTG)'s -62%.
Chart 2Revenue Growth — 10 Years
| Stock | 2018 | 2025 | Change |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | $6M | $107507.00 | -98.3% |
| Upstart Holdings, I… (UPST) | $96M | $1.0B | +992.1% |
Upstart Holdings, Inc.'s revenue grew from $96M (2018) to $1.0B (2025) — a 40.7% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2018 | 2025 | Change |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | 18.1% | -18.6% | -203.2% |
| Upstart Holdings, I… (UPST) | -12.9% | 5.1% | +139.8% |
Upstart Holdings, Inc.'s net margin went from -13% (2018) to 5% (2025).
Chart 4P/E Ratio History — 3 Years
| Stock | 2020 | 2025 | Change |
|---|---|---|---|
| Upstart Holdings, I… (UPST) | 177.2 | 97.2 | -45.1% |
Upstart Holdings, Inc. has traded in a 97x–177x P/E range over 3 years; current trailing P/E is ~61x.
Chart 5EPS Growth — 10 Years
| Stock | 2018 | 2025 | Change |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | 0.41 | -0.71 | -273.2% |
| Upstart Holdings, I… (UPST) | -0.87 | 0.45 | +151.7% |
Upstart Holdings, Inc.'s EPS grew from $-0.87 (2018) to $0.45 (2025).
Chart 6Free Cash Flow — 5 Years
Sentage Holdings Inc. generated $-2M FCF in 2024 (-334% vs 2021). Upstart Holdings, Inc. generated $-148M FCF in 2025 (-196% vs 2021).
SNTG vs UPST: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is SNTG or UPST a better buy right now?
Upstart Holdings, Inc. (UPST) offers the better valuation at 60.5x trailing P/E (12.8x forward), making it the more compelling value choice. Analysts rate Upstart Holdings, Inc. (UPST) a "Hold" — based on 22 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — SNTG or UPST?
Over the past 5 years, Upstart Holdings, Inc. (UPST) delivered a total return of -59.1%, compared to -61.8% for Sentage Holdings Inc. (SNTG). A $10,000 investment in UPST five years ago would be worth approximately $4K today (assuming dividends reinvested). Over 10 years, the gap is even starker: UPST returned -7.6% versus SNTG's -61.8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — SNTG or UPST?
By beta (market sensitivity over 5 years), Sentage Holdings Inc. (SNTG) is the lower-risk stock at 1.31β versus Upstart Holdings, Inc.'s 2.55β — meaning UPST is approximately 94% more volatile than SNTG relative to the S&P 500.
04Which has better profit margins — SNTG or UPST?
Upstart Holdings, Inc. (UPST) is the more profitable company, earning 5.1% net margin versus -1864.8% for Sentage Holdings Inc. — meaning it keeps 5.1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: UPST leads at 4.1% versus -1615.2% for SNTG. At the gross margin level — before operating expenses — SNTG leads at 92.5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
05Which pays a better dividend — SNTG or UPST?
None of the stocks in this comparison currently pay a material dividend. All are effectively zero-yield and should be held for capital appreciation rather than income.
06Is SNTG or UPST better for a retirement portfolio?
For long-horizon retirement investors, Sentage Holdings Inc. (SNTG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. Upstart Holdings, Inc. (UPST) carries a higher beta of 2.55 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (SNTG: -61.8%, UPST: -7.6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
07What are the main differences between SNTG and UPST?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that beat both.