OPFI vs UPST
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. 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 | OPFI | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $9.24 | $28.64 | |
| Market cap as of 2026-07-23 | $1.3B | $2.7B | |
| P/E as of 2026-07-23 | 20.14 | 55.49 | OPFI lower |
| PEG as of 2026-07-23 | n/a | 1.72 | |
| Net margin as of 2026-07-23 | +10.9% | +4.3% | OPFI higher |
| Gross margin as of 2026-07-23 | +98.9% | +82.2% | OPFI higher |
| Operating margin as of 2026-07-23 | +26.2% | +4.1% | OPFI higher |
| ROE as of 2026-07-23 | +134.3% | +7.3% | OPFI higher |
| ROA as of 2026-07-23 | +9.2% | +2.0% | OPFI higher |
| Debt / equity as of 2026-07-23 | 3.76 | 2.29 | UPST lower |
| Revenue growth (YoY) as of 2026-07-23 | +12.9% | +57.7% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +7.4% | |
| Dividend yield as of 2026-07-23 | +0.5% | n/a | |
| Dividend streak (yrs) SEC XBRL | 2 | n/a | |
| Beta as of 2026-07-23 | 1.84 | 2.21 | |
| 1-year return as of 2026-07-22 close | -18.1% | -64.2% | OPFI 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.