Compare
MARA Holdings, Inc. vs Yiren Digital Ltd. vs Upstart Holdings, Inc. vs Pagaya Technologies Ltd.
| Latest fiscal year | MARA Holdings, Inc. MARA | Yiren Digital Ltd. YRD | Upstart Holdings, Inc. UPST | Pagaya Technologies Ltd. PGY |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2025-12-31 | 2025-12-31 | 2025-12-31 |
| Revenue | $907.09M | $817.84M | $1.04B | $1.30B |
| Revenue growth (YoY) | +38.2% | n/a | +64.0% | +26.1% |
| Gross margin | n/a | n/a | n/a | 42.4% (computed) |
| Operating margin | -135.0% | -103.9% | 4.1% | 20.3% |
| Net margin | -144.6% | 1.0% | 5.1% | 6.3% |
| Net income | -$1.31B | $7.80M | $53.60M | $81.39M |
| EPS (Diluted) | -$3.69 | $0.0446 | $0.45 | $0.93 |
| Operating cash flow | -$802.73M | $100.62M | -$147.72M | $238.62M |
| Free cash flow | -$1.21B | $96.94M | -$148.07M | $224.72M |
| Cash & equivalents | $547.13M | $478.78M | $652.39M | $235.33M |
| Total assets | $7.29B | $1.92B | $2.97B | $1.55B |
| Total liabilities | n/a | $598.15M | $2.18B | $960.46M |
| Shareholders' equity | $3.47B | $1.33B | $798.82M | $555.35M |
| Return on year-end equity | -37.8% | 0.6% | 6.7% | 14.7% |
| Shares outstanding | 379.46M | 174.68M | 98.03M | n/a |
Revenue, most recent five fiscal years
| Fiscal year | MARA Holdings, Inc. | Yiren Digital Ltd. | Upstart Holdings, Inc. | Pagaya Technologies Ltd. |
|---|---|---|---|---|
| Latest | $907.09M Ended 2025-12-31 | $817.84M Ended 2025-12-31 | $1.04B Ended 2025-12-31 | $1.30B Ended 2025-12-31 |
| 1 year earlier | $656.38M Ended 2024-12-31 | n/a | $636.53M Ended 2024-12-31 | $1.03B Ended 2024-12-31 |
| 2 years earlier | $387.51M Ended 2023-12-31 | n/a | $513.56M Ended 2023-12-31 | $812.05M Ended 2023-12-31 |
| 3 years earlier | $117.75M Ended 2022-12-31 | n/a | $842.44M Ended 2022-12-31 | $748.93M Ended 2022-12-31 |
| 4 years earlier | $159.16M Ended 2021-12-31 | n/a | $848.59M Ended 2021-12-31 | $474.59M Ended 2021-12-31 |