Upstart Holdings currently offers a more attractive risk-reward profile than Futu Holdings, according to a Zacks Investment Research analysis. Futu's first-quarter funded accounts rose 34.3% to 3.59 million and client assets climbed 47.2% to HK$1.22 trillion, but reported net income fell 61.2% year over year to HK$831 million after a roughly RMB1.85 billion penalty from the China Securities Regulatory Commission. Upstart's originations grew 61% to $3.4 billion and revenue rose 44% to $308 million, with auto originations up more than 300% and home originations up around 250%. Consensus estimates project Upstart's 2026 sales growth at 36.53% and EPS growth at 30.46%, while Futu's 2026 sales growth is seen at just 1.61% with an EPS decline of 13.19%. Over the past three months, Upstart shares have gained 39% while Futu shares have dropped 26.6%, and Upstart carries a Zacks Rank #3 (Hold) versus Futu's Zacks Rank #5 (Strong Sell).
Futu Holdings LtdFutu reported a RMB1.85 billion penalty from China Securities Regulatory Commission, causing net income to fall 61.2%.
Upstart Holdings IncZacks analysis favors Upstart over Futu, citing stronger growth and a Hold rating vs Strong Sell.