Which has the lower trailing P/E, BHFAP or UPST?

BHFAP has the lower trailing P/E: BHFAP trades at 1.07 and UPST at 46.99. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, BHFAP or UPST?

Over the past five years, UPST grew revenue faster — BHFAP at a -5.56% CAGR versus UPST at 22.79%.

Does BHFAP or UPST pay a bigger dividend?

BHFAP pays a dividend (12.12% yield), while UPST has no payments in the available dividend history.

Is BHFAP or UPST more profitable?

BHFAP runs the higher net margin — BHFAP at 13.22% versus UPST at 4.69%.

How have BHFAP and UPST total returns compared?

Over the past 5 years, BHFAP delivered -5.42% and UPST delivered -39.34% annualized total return. Past performance doesn't predict future results.

Brighthouse Financial, Inc. (BHFAP) vs Upstart Holdings, Inc. (UPST)

A side-by-side comparison of Brighthouse Financial, Inc. and Upstart Holdings, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

BHFAP

Brighthouse Financial, Inc.

$2.25B

$13.59Financial ServicesDelayed quote: Oct 6, 2026, 3:09 PM EDT

UPST

Upstart Holdings, Inc.

$2.30B

$24.03Financial ServicesDelayed quote: Oct 6, 2026, 3:05 PM EDT

Total return — BHFAP vs UPST

growth of $100 · dividends reinvested · last 6y

BHFAP -23.2% (-4.3%/yr)UPST -17.4% (-3.1%/yr)UPST compounded faster over this window

BHFAP UPST

BHFAP vs UPST: by the numbers

•UPST is the larger company ($2.30B vs $2.25B market cap).
•BHFAP trades at the lower trailing earnings multiple (1.07 vs 46.99 P/E), one valuation lens rather than an overall verdict.
•BHFAP converts more revenue to profit (13.22% vs 4.69% net margin).
•UPST grew revenue faster over the past five years (22.79% vs -5.56% CAGR).
•BHFAP pays a dividend (12.12% yield), while UPST has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	BHFAP	UPST
P/E ratio	1.07	46.99
Forward P/E	N/A	35.45
PEG ratio	N/A	3.27
P/S ratio	0.36	1.79
P/B ratio	0.34	2.88

Profitability

Metric	BHFAP	UPST
Operating margin	15.52%	4.80%
Net margin	13.22%	4.69%
ROE	12.69%	7.57%

Brighthouse Financial, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Upstart Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	BHFAP	UPST
Dividend yield	12.12%	N/A
Payout ratio	13.02%	N/A

Growth (annualized)

Metric	BHFAP	UPST
Revenue CAGR (5Y)	-5.56%	22.79%
EPS CAGR (5Y)	N/A	15.71%
Total return CAGR (5Y)	-5.42%	-39.34%

Frequently asked

Which has the lower trailing P/E, BHFAP or UPST?: BHFAP has the lower trailing P/E: BHFAP trades at 1.07 and UPST at 46.99. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, BHFAP or UPST?: Over the past five years, UPST grew revenue faster — BHFAP at a -5.56% CAGR versus UPST at 22.79%.
Does BHFAP or UPST pay a bigger dividend?: BHFAP pays a dividend (12.12% yield), while UPST has no payments in the available dividend history.
Is BHFAP or UPST more profitable?: BHFAP runs the higher net margin — BHFAP at 13.22% versus UPST at 4.69%.
How have BHFAP and UPST total returns compared?: Over the past 5 years, BHFAP delivered -5.42% and UPST delivered -39.34% annualized total return. Past performance doesn't predict future results.

Go deeper

Full BHFAP analysis Full UPST analysis Interactive comparison tool

Dig into the metrics

Brighthouse Financial P/E ratio Upstart P/E ratio Brighthouse Financial dividend yield Brighthouse Financial ROE Upstart ROE Brighthouse Financial operating margin Upstart operating margin Brighthouse Financial revenue growth Upstart revenue growth

Brighthouse Financial & Upstart appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.