AFRM vs UPST
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. UPST: AI-powered marketplace that reimagines consumer lending through proprietary machine learning models to deliver higher approval rates and lower interest rates than traditional FICO-based systems.
Side-by-side fundamentals
| Metric | AFRM | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $73.92 | $28.64 | |
| Market cap as of 2026-07-23 | $24.8B | $2.7B | |
| P/E as of 2026-07-23 | 64.73 | 55.49 | UPST lower |
| PEG as of 2026-07-23 | 33.52 | 1.72 | UPST lower |
| Net margin as of 2026-07-23 | +9.6% | +4.3% | AFRM higher |
| Gross margin as of 2026-07-23 | +92.5% | +82.2% | AFRM higher |
| Operating margin as of 2026-07-23 | +8.3% | +4.1% | AFRM higher |
| ROE as of 2026-07-23 | +11.2% | +7.3% | AFRM higher |
| ROA as of 2026-07-23 | +3.1% | +2.0% | AFRM higher |
| Debt / equity as of 2026-07-23 | 2.35 | 2.29 | UPST lower |
| Revenue growth (YoY) as of 2026-07-23 | +32.1% | +57.7% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | +33.7% | +7.4% | AFRM higher |
| Beta as of 2026-07-23 | 3.65 | 2.21 | |
| 1-year return as of 2026-07-22 close | +11.9% | -64.2% | 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.