AFRM vs UPBD
AFRM: Affirm powers frictionless installment lending at checkout, letting consumers split purchases across merchants while banks originate the loans through Affirm's AI-driven risk platform. UPBD: Technology-enabled lease-to-own platform serving underserved consumers through direct and third-party retailer channels, augmented with financial health and earned wage access services.
Side-by-side fundamentals
| Metric | AFRM | UPBD | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $73.92 | $21.42 | |
| Market cap as of 2026-07-23 | $24.8B | $1.3B | |
| P/E as of 2026-07-23 | 64.73 | 15.02 | UPBD lower |
| PEG as of 2026-07-23 | 33.52 | n/a | |
| Net margin as of 2026-07-23 | +9.6% | +1.8% | AFRM higher |
| Gross margin as of 2026-07-23 | +92.5% | +48.7% | AFRM higher |
| Operating margin as of 2026-07-23 | +8.3% | +5.0% | AFRM higher |
| ROE as of 2026-07-23 | +11.2% | +12.1% | UPBD higher |
| ROA as of 2026-07-23 | +3.1% | +2.6% | AFRM higher |
| Debt / equity as of 2026-07-23 | 2.35 | 2.01 | UPBD lower |
| Revenue growth (YoY) as of 2026-07-23 | +32.1% | +7.7% | AFRM higher |
| Revenue CAGR (3y) SEC XBRL | +33.7% | +3.4% | AFRM higher |
| Dividend yield as of 2026-07-23 | n/a | +7.3% | |
| Dividend streak (yrs) SEC XBRL | n/a | 3 | |
| Beta as of 2026-07-23 | 3.65 | 1.80 | |
| 1-year return as of 2026-07-22 close | +11.9% | -11.7% | AFRM higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.