ENVA vs UPST
Head-to-Head Stock Analysis & Investment Rating
Last Updated: Jul 29, 2026
ENVA
56.0
AI Score
VS
It's a Tie!
UPST
56.0
AI Score
Investment Advisor Scores
UPST
56score
Recommendation
HOLD
AI Analyst Insights
AI insights temporarily unavailable
Detailed Metrics Comparison
| Metric | ENVA | UPST | Winner |
|---|---|---|---|
| Revenue | 1.80B | 373.25M | ENVA |
| Net Income | 196.16M | -197.73M | ENVA |
| Net Margin | 10.9% | -53.0% | ENVA |
| Operating Income | 444.25M | -209.02M | ENVA |
| ROE | 13.1% | -30.9% | ENVA |
| ROA | 2.7% | -9.9% | ENVA |
| Total Assets | 7.22B | 2.00B | ENVA |
| Cash | 122.23M | 516.58M | UPST |
Relative Price Performance (Last 90 Days)
ENVA 1M: +9.9%
· 3M: +51.3%
UPST 1M: -15.4%
· 3M: -10.1%
Current Technical Phase
ENVA
MarkupHold / add on dips
Price above SMA50, rising 50-day trend (15.2% over 20 days), RSI 69
UPST
NeutralHold
Mixed signals - no dominant trend phase, RSI 48
Fundamentals Snapshot
| Metric | ENVA | UPST |
|---|---|---|
| Market Cap | — | — |
| Forward P/E | 12.6 | 8.7 |
| Trailing P/E | 18.9 | 66.9 |
| Revenue (TTM) | — | — |
| Revenue Growth | 0.3% | 0.4% |
| Gross Margin | 0.8% | 0.8% |
| Operating Margin | 0.3% | 0.0% |
| EPS | 13.47 | 0.41 |
| Dividend Yield | — | — |
Frequently Asked Questions
Based on our detailed analysis, ENVA and UPST are evenly matched, both winning 7 key financial metrics each. This is a close call that depends on your specific investment goals.
We analyze revenue and earnings growth rates in the "Growth" section above. Generally, the company with higher year-over-year revenue and EPS growth is fostering better expansion. Check the table above for the specific growth percentages.
Valuation is determined by metrics like the P/E Ratio and PEG Ratio. A lower P/E typically suggests a stock is cheaper relative to its earnings. Refer to the "Valuation" section in our comparison table to see which stock currently trades at a more attractive multiple.