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: 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 | TREE | UPST | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $25.35 | $24.19 | |
| Market cap | $356M | $2.4B | |
| P/E as of 2026-10-08 | 2.04 | 44.95 | TREE lower |
| Net margin FY2025, SEC XBRL | +13.5% | +5.1% | TREE higher |
| Gross margin FY2025, SEC XBRL | +31.5% | n/a | |
| Operating margin FY2025, SEC XBRL | +5.8% | +4.1% | TREE higher |
| ROE FY2025, SEC XBRL | +52.8% | +6.7% | TREE higher |
| ROA FY2025, SEC XBRL | +17.7% | +1.8% | TREE higher |
| Debt / equity as of 2026-09-02 | 1.22 | 2.51 | TREE lower |
| Revenue growth (YoY) as of 2026-09-02 | +25.3% | +46.3% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | +4.3% | +7.4% | UPST higher |
| Dividend streak (yrs) SEC XBRL | n/a | 0 | |
| Beta as of 2026-09-02 | 1.24 | 2.63 | |
| 1-year return as of 2026-10-08 close | -57.5% | -53.3% | UPST 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.