OPFI vs UPBD
OPFI: A fintech-powered lending platform partnering with community banks to provide fair, transparent installment credit and financial education to everyday Americans underserved by mainstream finance. UPBD: Technology-enabled lease-to-own platform serving underserved consumers through direct and third-party retailer channels, augmented with financial health and earned wage access services.
Side-by-side fundamentals
| Metric | OPFI | UPBD | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $8.86 | $21.08 | |
| Market cap as of 2026-07-24 | $1.3B | $1.2B | |
| P/E as of 2026-07-24 | 19.28 | 14.53 | UPBD lower |
| Net margin as of 2026-07-24 | +10.9% | +1.8% | OPFI higher |
| Gross margin as of 2026-07-24 | +98.9% | +48.7% | OPFI higher |
| Operating margin as of 2026-07-24 | +26.2% | +5.0% | OPFI higher |
| ROE as of 2026-07-24 | +134.3% | +12.1% | OPFI higher |
| ROA as of 2026-07-24 | +9.2% | +2.6% | OPFI higher |
| Debt / equity as of 2026-07-24 | 3.76 | 2.01 | UPBD lower |
| Revenue growth (YoY) as of 2026-07-24 | +12.9% | +7.7% | OPFI higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +3.4% | |
| Dividend yield as of 2026-07-24 | +0.5% | +7.3% | UPBD higher |
| Dividend streak (yrs) SEC XBRL | 2 | 3 | UPBD higher |
| Beta as of 2026-07-24 | 1.85 | 1.79 | |
| 1-year return as of 2026-07-23 close | -23.9% | -18.6% | UPBD higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
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.