FBP vs UPST
FBP: A $19.1 billion regional bank holding company serving Puerto Rico, the US Virgin Islands, and Florida with full-service commercial, consumer, and mortgage banking, auto financing, and insurance services. 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 | FBP | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $28.86 | $28.64 | |
| Market cap as of 2026-07-23 | $4.3B | $2.7B | |
| P/E as of 2026-07-23 | 12.07 | 55.49 | FBP lower |
| PEG as of 2026-07-23 | 2.15 | 1.72 | UPST lower |
| Net margin as of 2026-07-23 | +31.7% | +4.3% | FBP higher |
| Gross margin as of 2026-07-23 | n/a | +82.2% | |
| Operating margin as of 2026-07-23 | +44.8% | +4.1% | FBP higher |
| ROE as of 2026-07-23 | +18.5% | +7.3% | FBP higher |
| ROA as of 2026-07-23 | +1.9% | +2.0% | UPST higher |
| Debt / equity as of 2026-07-23 | 0.15 | 2.29 | FBP lower |
| Revenue growth (YoY) as of 2026-07-23 | +19.8% | +57.7% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | +8.4% | +7.4% | FBP higher |
| Dividend yield as of 2026-07-23 | +2.9% | n/a | |
| Dividend streak (yrs) SEC XBRL | 5 | n/a | |
| Beta as of 2026-07-23 | 0.82 | 2.21 | |
| 1-year return as of 2026-07-22 close | +26.4% | -64.2% | FBP 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.