BPOP vs UPST
BPOP: Popular is the leading financial institution in Puerto Rico, offering diversified retail and commercial banking services with a growing footprint in the mainland United States. 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 | BPOP | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $171.41 | $27.49 | |
| Market cap as of 2026-07-30 | $11.0B | $2.6B | |
| P/E as of 2026-07-30 | 11.40 | 51.53 | BPOP lower |
| PEG as of 2026-07-30 | 0.83 | 1.72 | BPOP lower |
| Net margin as of 2026-07-30 | +25.2% | +4.3% | BPOP higher |
| Gross margin as of 2026-07-30 | n/a | +82.2% | |
| Operating margin as of 2026-07-30 | +28.2% | +4.1% | BPOP higher |
| ROE as of 2026-07-30 | +15.4% | +7.3% | BPOP higher |
| ROA as of 2026-07-30 | +1.3% | +2.0% | UPST higher |
| Debt / equity as of 2026-07-30 | 0.23 | 2.29 | BPOP lower |
| Revenue growth (YoY) as of 2026-07-30 | +34.9% | +57.7% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | +29.8% | +7.4% | BPOP higher |
| Dividend yield as of 2026-07-30 | +1.7% | n/a | |
| Dividend streak (yrs) SEC XBRL | 5 | n/a | |
| Beta as of 2026-07-30 | 0.63 | 2.24 | |
| 1-year return as of 2026-07-27 close | +48.6% | -67.1% | BPOP higher |
Fundamentals: market data, as of 2026-07-30. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
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.