ENVA vs UPST
ENVA: Digital-first consumer and small business lender with a major pending bank acquisition, serving underserved borrowers through online origination and credit securitization. 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 | ENVA | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $222.49 | $28.64 | |
| Market cap as of 2026-07-23 | $5.7B | $2.7B | |
| P/E as of 2026-07-23 | 17.41 | 55.49 | ENVA lower |
| PEG as of 2026-07-23 | 0.41 | 1.72 | ENVA lower |
| Net margin as of 2026-07-23 | +16.9% | +4.3% | ENVA higher |
| Gross margin as of 2026-07-23 | +100.0% | +82.2% | ENVA higher |
| Operating margin as of 2026-07-23 | +40.0% | +4.1% | ENVA higher |
| ROE as of 2026-07-23 | +24.9% | +7.3% | ENVA higher |
| ROA as of 2026-07-23 | +5.2% | +2.0% | ENVA higher |
| Debt / equity as of 2026-07-23 | 3.45 | 2.29 | UPST lower |
| Revenue growth (YoY) as of 2026-07-23 | +20.1% | +57.7% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | +22.0% | +7.4% | ENVA higher |
| Dividend streak (yrs) SEC XBRL | 2 | n/a | |
| Beta as of 2026-07-23 | 1.24 | 2.21 | |
| 1-year return as of 2026-07-22 close | +102.1% | -64.2% | ENVA 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.