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