TREE vs UPST
TREE: LendingTree is a leading online marketplace that connects consumers with multiple lenders and service providers to help them compare financial products like loans and insurance. 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 | TREE | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-31 close | $31.86 | $27.44 | |
| Market cap as of 2026-08-03 | $447M | $2.6B | |
| P/E as of 2026-08-03 | 2.56 | 62.10 | TREE lower |
| PEG as of 2026-08-03 | n/a | 1.48 | |
| Net margin as of 2026-08-03 | +15.0% | +4.3% | TREE higher |
| Gross margin as of 2026-08-03 | +96.3% | +82.2% | TREE higher |
| Operating margin as of 2026-08-03 | +7.9% | +4.1% | TREE higher |
| ROE as of 2026-08-03 | +86.0% | +7.3% | TREE higher |
| ROA as of 2026-08-03 | +21.8% | +2.0% | TREE higher |
| Debt / equity as of 2026-08-03 | 1.28 | 2.29 | TREE lower |
| Revenue growth (YoY) as of 2026-08-03 | +23.9% | +57.7% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | +4.3% | +7.4% | UPST higher |
| Beta as of 2026-08-03 | 1.31 | 2.56 | |
| 1-year return as of 2026-07-31 close | -31.7% | -66.4% | TREE higher |
Fundamentals: market data, as of 2026-08-03. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-31.
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.