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 ...
Which Baskets Do They Appear In?
Private Market Liquidity: Could Goldman's Move Signal?
Goldman Sachs' acquisition of Industry Ventures for nearly $1 billion signals a strategic push by major financial players into the growing venture capital secondary market. This development suggests a broader investment opportunity among asset managers and service providers poised to benefit from the increasing demand for liquidity in private markets.
Published: October 14, 2025
Explore BasketBanking Consolidation Europe: Might UniCredit Spark Wave?
Italian banking giant UniCredit is considering the sale of its significant stake in Germany's Commerzbank, potentially to a buyer outside the European Union. This development could trigger a wave of consolidation and acquisition activity across the European banking sector, creating opportunities for strategic investors and advisory firms.
Published: September 15, 2025
Explore BasketEuropean Banking M&A
UniCredit's major stake in Commerzbank signals the start of European banking consolidation. Our experts have selected companies positioned to benefit from this wave, including potential M&A targets and the investment banks that will earn fees from these deals.
Published: July 10, 2025
Explore BasketWhich Baskets Do They Appear In?
Private Market Liquidity: Could Goldman's Move Signal?
Goldman Sachs' acquisition of Industry Ventures for nearly $1 billion signals a strategic push by major financial players into the growing venture capital secondary market. This development suggests a broader investment opportunity among asset managers and service providers poised to benefit from the increasing demand for liquidity in private markets.
Published: October 14, 2025
Explore BasketBanking Consolidation Europe: Might UniCredit Spark Wave?
Italian banking giant UniCredit is considering the sale of its significant stake in Germany's Commerzbank, potentially to a buyer outside the European Union. This development could trigger a wave of consolidation and acquisition activity across the European banking sector, creating opportunities for strategic investors and advisory firms.
Published: September 15, 2025
Explore BasketEuropean Banking M&A
UniCredit's major stake in Commerzbank signals the start of European banking consolidation. Our experts have selected companies positioned to benefit from this wave, including potential M&A targets and the investment banks that will earn fees from these deals.
Published: July 10, 2025
Explore BasketThe Dealmakers: M&A Boom
A carefully selected group of financial institutions driving today's surge in mergers and acquisitions. These companies are the architects behind billion-dollar deals, earning significant fees as corporate dealmaking accelerates.
Published: June 30, 2025
Explore BasketMegadeal Mania
The world of big business deals is booming, with global merger activity up 30% to $1.89 trillion. This collection features the financial powerhouses behind these massive transactions – the investment banks, advisory firms, and private equity giants that stand to profit from the deal-making surge.
Published: June 30, 2025
Explore BasketBanking & Finance Powerhouses
Invest in the cornerstones of the global economy. These carefully selected financial titans form the backbone of worldwide commerce and capital flow, chosen by our analysts for their market dominance and potential to benefit from changing economic conditions.
Published: June 17, 2025
Explore BasketInvestment 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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