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Lazard vs Upstart

This page compares Lazard Ltd. and Upstart Holdings, Inc. across business models, financial performance, and market context, offering a neutral overview of each company. It explains how they position themselves, the factors that drive value, and how their markets shape opportunities. Educational content, not financial advice.

This page compares Lazard Ltd. and Upstart Holdings, Inc. across business models, financial performance, and market context, offering a neutral overview of each company. It explains how they position ...

Investment Analysis

Lazard

LAZ

Pros

Lazard achieved record adjusted net revenue in the third quarter of 2025, reflecting strong year-on-year growth in both financial advisory and asset management segments.
The firm reported record asset management inflows and a 17% increase in total assets under management year-to-date, indicating robust client demand.
Lazard returned $60 million to shareholders in the third quarter, including dividends and share repurchases, highlighting commitment to shareholder returns.

Considerations

Lazard's earnings growth is forecast to slow in the coming year, with analysts expecting a modest increase in earnings per share.
The stock carries a relatively high beta, suggesting greater volatility compared to the broader market, which may concern risk-averse investors.
Analyst consensus is a hold rating, with a wide range of price targets indicating uncertainty about future upside potential.

Upstart

UPST

Pros

Upstart operates a leading cloud-based AI lending platform, benefiting from growing demand for digital and automated financial services.
The company has demonstrated strong net loan volume growth and expanded its network of bank partners, supporting revenue diversification.
Upstart's platform enables efficient credit risk assessment, which can drive higher approval rates and lower default rates for its partners.

Considerations

Upstart's price-to-earnings ratio remains extremely volatile and is currently negative, reflecting ongoing profitability challenges and investor uncertainty.
The business is highly sensitive to macroeconomic conditions, particularly interest rate changes and credit market cycles, which can impact loan demand.
Regulatory scrutiny around AI-driven lending practices and data privacy could pose compliance risks and affect future growth prospects.

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Frequently asked questions

About The Companies

Lazard (LAZ)

Lazard Ltd (LAZ) is a specialist global financial advisory and asset management firm offering M&A and restructuring advice, capital structure guidance, and investment management for institutions and private clients. With a market capitalisation around $4.8 billion, Lazard’s revenues are closely tied to deal flow, market valuations and assets under management, which makes results cyclical and sensitive to economic conditions. Investors should note its fee-based and performance-related income mix, a broad international footprint across the Americas, Europe and Asia, and competition from larger banks and boutiques. Key risks include variability in transaction volumes, retention of senior advisory talent, regulatory oversight and market-driven asset performance. Assessing Lazard typically involves watching announced mandates, assets under management trends, margin progress and management commentary. This summary is for educational purposes only and not personalised advice; values can rise or fall and past performance is not a reliable guide to the future. Consider your risk tolerance or consult a qualified adviser before investing.

Upstart (UPST)

Upstart Holdings (UPST) operates a technology-driven lending platform that connects borrowers with banks and also offers loans it holds on balance sheet. The company uses machine-learning models to assess creditworthiness and prize underwriting signals beyond traditional FICO scores, aiming to increase approval rates while managing default risk. Revenue derives from origination and servicing fees, interest income on held loans and platform fees from bank partners. Investors should note sensitivity to credit cycles, model performance and data drift, funding costs, and potential regulatory scrutiny around algorithmic lending. Upstart has experienced periods of rapid growth and volatility; future profit depends on charge-offs, loan volumes and funding conditions. This is general educational information, not personalised advice — values can fall as well as rise and past performance is not a guide to the future.