Compare
MARA Holdings, Inc. vs Oportun Financial Corp vs Yiren Digital Ltd. vs Upstart Holdings, Inc.
| Latest fiscal year | MARA Holdings, Inc. MARA | Oportun Financial Corp OPRT | Yiren Digital Ltd. YRD | Upstart Holdings, Inc. UPST |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2025-12-31 | 2025-12-31 | 2025-12-31 |
| Revenue | $907.09M | $956.68M | $817.84M | $1.04B |
| Revenue growth (YoY) | +38.2% | -4.5% | n/a | +64.0% |
| Gross margin | n/a | n/a | n/a | n/a |
| Operating margin | -135.0% | n/a | -103.9% | 4.1% |
| Net margin | -144.6% | 2.6% | 1.0% | 5.1% |
| Net income | -$1.31B | $25.25M | $7.80M | $53.60M |
| EPS (Diluted) | -$3.69 | $0.53 | $0.0446 | $0.45 |
| Operating cash flow | -$802.73M | $413.41M | $100.62M | -$147.72M |
| Free cash flow | -$1.21B | n/a | $96.94M | -$148.07M |
| Cash & equivalents | $547.13M | $105.53M | $478.78M | $652.39M |
| Total assets | $7.29B | $3.26B | $1.92B | $2.97B |
| Total liabilities | n/a | $2.87B | $598.15M | $2.18B |
| Shareholders' equity | $3.47B | $390.08M | $1.33B | $798.82M |
| Return on year-end equity | -37.8% | 6.5% | 0.6% | 6.7% |
| Shares outstanding | 379.46M | 44.44M | 174.68M | 98.03M |
Revenue, most recent five fiscal years
| Fiscal year | MARA Holdings, Inc. | Oportun Financial Corp | Yiren Digital Ltd. | Upstart Holdings, Inc. |
|---|---|---|---|---|
| Latest | $907.09M Ended 2025-12-31 | $956.68M Ended 2025-12-31 | $817.84M Ended 2025-12-31 | $1.04B Ended 2025-12-31 |
| 1 year earlier | $656.38M Ended 2024-12-31 | $1.00B Ended 2024-12-31 | n/a | $636.53M Ended 2024-12-31 |
| 2 years earlier | $387.51M Ended 2023-12-31 | $1.06B Ended 2023-12-31 | n/a | $513.56M Ended 2023-12-31 |
| 3 years earlier | $117.75M Ended 2022-12-31 | $640.66M Ended 2022-12-31 | n/a | $842.44M Ended 2022-12-31 |
| 4 years earlier | $159.16M Ended 2021-12-31 | $530.48M Ended 2021-12-31 | n/a | $848.59M Ended 2021-12-31 |