ENVA vs UPST
Head-to-Head Stock Analysis & Investment Rating
Last Updated: Oct 03, 2026
ENVA
UPST
Investment Advisor Scores
UPST
AI Analyst Insights
Detailed Metrics Comparison
| Metric | ENVA | UPST | Winner |
|---|---|---|---|
|
Valuation
Lower P/E and PEG ratios suggest a stock may be undervalued relative to earnings and growth. Value investors prefer lower multiples. |
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| Forward P/E | 8.3264 | 13.587 | ENVA |
| PEG Ratio | 0 | 0 | Tie |
|
Growth
Higher revenue and earnings growth rates indicate a company is expanding faster. Strong growth often justifies premium valuations. |
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| Revenue Growth | 31.1% | 42.3% | UPST |
| Earnings Growth | 39.9% | 211.2% | UPST |
|
Quality & Profitability
Higher Tradestie Score and profit margins reveal how efficiently a company operates. Strong profitability indicates competitive advantages. |
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| Tradestie Score | 71.0/100 | 56.3/100 | ENVA |
| Profit Margin | 21.0% | 4.7% | ENVA |
|
Risk Profile
Lower Beta and Implied Volatility values indicate reduced market risk. Conservative investors favor stocks with less price volatility. |
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| Beta | 1.00 | 1.00 | Tie |
|
Sentiment
AI Recommendation reflects overall analyst and proprietary sentiment. Stronger recommendations signal higher conviction. |
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| AI Recommendation | HOLD | HOLD | Tie |
Relative Price Performance (Last 90 Days)
Current Technical Phase
ENVA
MarkdownPrice below a falling SMA50 (slope -7.3%), weak momentum, RSI 32
UPST
MarkdownPrice below a falling SMA50 (slope -9.6%), weak momentum, RSI 31
Fundamentals Snapshot
| Metric | ENVA | UPST |
|---|---|---|
| Market Cap | — | — |
| Forward P/E | 8.3 | 6.6 |
| Trailing P/E | 12.7 | 44.1 |
| Revenue (TTM) | — | — |
| Revenue Growth | 0.3% | 0.4% |
| Gross Margin | 0.8% | 0.8% |
| Operating Margin | 0.3% | 0.1% |
| EPS | 13.47 | 0.52 |
| Dividend Yield | — | — |