AFRM vs UPST
AFRM: Affirm is a leading financial technology platform revolutionizing the payment industry with transparent, consumer-friendly point-of-sale financing and commerce solutions. UPST: Upstart is an AI-powered lending platform that replaces traditional credit scoring with machine learning to help banks approve more borrowers at lower rates.
Side-by-side fundamentals
| Metric | AFRM | UPST | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $77.15 | $24.19 | |
| Market cap | $26.0B | $2.4B | |
| P/E as of 2026-10-08 | 72.00 | 44.95 | UPST lower |
| Net margin | +45.3% | +5.1% | AFRM higher |
| Operating margin | +9.8% | +4.1% | AFRM higher |
| ROE | +35.2% | +6.7% | AFRM higher |
| ROA | +12.2% | +1.8% | AFRM higher |
| Debt / equity as of 2026-09-03 | 2.35 | 2.51 | AFRM lower |
| Revenue growth (YoY) as of 2026-09-03 | +32.1% | +46.3% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | +39.0% | +7.4% | AFRM higher |
| Dividend streak (yrs) SEC XBRL | 0 | 0 | Tie |
| Beta as of 2026-09-03 | 2.47 | 2.63 | |
| 1-year return as of 2026-10-08 close | +2.5% | -53.3% | AFRM higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.