TickerHumSide-by-side comparison
Affirm vs Upstart
As of Nov 11, 2026, P/E is 11.9x for Affirm vs 34.0x for Upstart; revenue growth is 32.7% for Affirm vs 38.6% for Upstart; operating margin is 11.8% for Affirm vs 4.6% for Upstart; net margin is 43.9% for Affirm vs 4.9% for Upstart.
What stands out
- Affirm Holdings is cheaper on earnings: 11.9x P/E vs 34.0x for Upstart Holdings.
- Affirm Holdings keeps more of each sale as operating profit: 11.8% margin vs 4.6% for Upstart Holdings.
- Affirm Holdings's shares did better over the past year: -12.9% vs -47.6% for Upstart Holdings.
- Affirm Holdings scores higher on TickerHum's ratings: 62/100 vs 40/100 for Upstart Holdings.
Key metrics
| Metric | AFRM | UPST |
|---|---|---|
| Price | $68.78 | $20.75 |
| Market cap | — | $2.05B |
| P/E | 11.9x (#1) | 34.0x (#2) |
| P/S | — | 1.5x (#1) |
| Revenue growth | 32.7% (#2) | 38.6% (#1) |
| Operating margin | 11.8% (#1) | 4.6% (#2) |
| Net margin | 43.9% (#1) | 4.9% (#2) |
| Debt / equity | 1.78 (#1) | — |
| 1-year return | -12.9% (#1) | -47.6% (#2) |
| Research score | 62/100 (#1) | 40/100 (#2) |
Higher is better for growth, margins, one-year return and overall score; lower is better for valuation and debt ratios. Ties share a rank and missing values are excluded.
Company research
- Affirm Holdings, Inc. (AFRM) — Credit Services
- Upstart Holdings, Inc. (UPST) — Credit Services