UPST vs AFRM
Head-to-Head Stock Analysis & Investment Rating
Last Updated: Nov 11, 2026
UPST
AFRM
Investment Advisor Scores
AFRM
AI Analyst Insights
Detailed Metrics Comparison
| Metric | UPST | AFRM | 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 | 14.5985 | 31.5457 | UPST |
| PEG Ratio | 0 | 7.3076 | 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 | 34.1% | 35.2% | AFRM |
| Earnings Growth | 44.2% | 101.4% | AFRM |
|
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 | 53.2/100 | 51.2/100 | UPST |
| Profit Margin | 4.7% | 43.9% | AFRM |
|
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
UPST
MarkdownPrice below a falling SMA50 (slope -10.3%), weak momentum, RSI 38
AFRM
MarkdownPrice below a falling SMA50 (slope -2.3%), weak momentum, RSI 42
Fundamentals Snapshot
| Metric | UPST | AFRM |
|---|---|---|
| Market Cap | — | — |
| Forward P/E | 7.1 | 18.1 |
| Trailing P/E | 33.5 | 11.4 |
| Revenue (TTM) | — | — |
| Revenue Growth | 0.3% | 0.4% |
| Gross Margin | 0.8% | 0.5% |
| Operating Margin | 0.1% | 0.1% |
| EPS | 0.61 | 5.77 |
| Dividend Yield | — | — |