OPRT vs UPST
OPRT: A financial services platform using proprietary AI and machine learning to provide responsible, affordable credit to underserved consumers. UPST: Upstart is an AI-powered lending platform that replaces traditional credit scoring with machine learning to help banks approve more borrowers at lower rates.
Side-by-side fundamentals
| Metric | OPRT | UPST | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $8.66 | $24.19 | |
| Market cap | $398M | $2.4B | |
| P/E as of 2026-10-08 | 23.39 | 44.95 | OPRT lower |
| Net margin FY2025, SEC XBRL | +2.6% | +5.1% | UPST higher |
| Operating margin FY2025, SEC XBRL | n/a | +4.1% | |
| ROE FY2025, SEC XBRL | +6.5% | +6.7% | UPST higher |
| ROA FY2025, SEC XBRL | +0.8% | +1.8% | UPST higher |
| Debt / equity as of 2026-09-02 | 6.83 | 2.51 | UPST lower |
| Revenue growth (YoY) as of 2026-09-02 | +22.7% | +46.3% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | +0.1% | +7.4% | UPST higher |
| Dividend streak (yrs) SEC XBRL | 0 | 0 | Tie |
| Beta as of 2026-09-02 | 1.60 | 2.63 | |
| 1-year return as of 2026-10-08 close | +58.9% | -53.3% | OPRT higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.