FIGR vs UPST
FIGR: Figure uses blockchain technology to disrupt consumer lending and capital markets by automating loan origination, dramatically cutting costs, and tokenizing real-world assets for efficient trading. 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 | FIGR | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $30.04 | $28.64 | |
| Market cap as of 2026-07-23 | $7.0B | $2.7B | |
| P/E as of 2026-07-23 | 38.80 | 55.49 | FIGR lower |
| PEG as of 2026-07-23 | 0.77 | 1.72 | FIGR lower |
| Net margin as of 2026-07-23 | +30.5% | +4.3% | FIGR higher |
| Gross margin as of 2026-07-23 | n/a | +82.2% | |
| Operating margin as of 2026-07-23 | +25.7% | +4.1% | FIGR higher |
| ROE as of 2026-07-23 | +17.6% | +7.3% | FIGR higher |
| ROA as of 2026-07-23 | +8.5% | +2.0% | FIGR higher |
| Debt / equity as of 2026-07-23 | 0.67 | 2.29 | FIGR lower |
| Revenue growth (YoY) as of 2026-07-23 | +97.6% | +57.7% | FIGR higher |
| Revenue CAGR (3y) SEC XBRL | +55.5% | +7.4% | FIGR higher |
| Beta as of 2026-07-23 | 0.23 | 2.21 | |
| 1-year return as of 2026-07-22 close | -22.9% | -64.2% | FIGR 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.