Compare Stocks: QFIN, UPST, LC, and ECPG

Comparative Price Performance Over Time

Compare Price & Volume

Company	Current Price	50-Day Moving Average	52-Week Range	Market Cap	Beta	Avg. Volume	Today's Volume
ECPG Encore Capital Group	$95.18 -3.2%	$96.82	$39.94 ▼ $104.98	$2.02B	1.27	317,210 shs	64,819 shs
LC LendingClub	$19.21	$19.21	$10.74 ▼ $21.67	$2.22B	1.98	1.96 million shs	N/A
QFIN Qfin	$7.64 -3.0%	$11.11	$7.62 ▼ $32.28	$929.56M	0.57	1.67 million shs	1.05 million shs
UPST Upstart	$24.75 -4.7%	$28.40	$23.97 ▼ $64.15	$2.41B	2.16	4.70 million shs	3.86 million shs

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Compare Price Performance

Company	1-Day Performance	7-Day Performance	30-Day Performance	90-Day Performance	1-Year Performance
ECPG Encore Capital Group	-1.09%	-0.52%	-2.89%	+12.93%	+116.21%
LC LendingClub	0.00%	0.00%	0.00%	0.00%	+8.46%
QFIN Qfin	-0.76%	-2.24%	-31.98%	-48.16%	-74.37%
UPST Upstart	+1.52%	+2.73%	-14.29%	-20.24%	-59.98%

Compare Price & Volume

Company	Current Price	50-Day Moving Average	52-Week Range	Market Cap	Beta	Avg. Volume	Today's Volume
ECPG Encore Capital Group	$95.18 -3.2%	$96.82	$39.94 ▼ $104.98	$2.02B	1.27	317,210 shs	64,819 shs
LC LendingClub	$19.21	$19.21	$10.74 ▼ $21.67	$2.22B	1.98	1.96 million shs	N/A
QFIN Qfin	$7.64 -3.0%	$11.11	$7.62 ▼ $32.28	$929.56M	0.57	1.67 million shs	1.05 million shs
UPST Upstart	$24.75 -4.7%	$28.40	$23.97 ▼ $64.15	$2.41B	2.16	4.70 million shs	3.86 million shs

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MarketBeat just released its list of the 7 hottest IPOs expected to hit Wall Street in 2026. See which companies are preparing to go public and why investors are watching closely.

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Compare Price Performance

Company	1-Day Performance	7-Day Performance	30-Day Performance	90-Day Performance	1-Year Performance
ECPG Encore Capital Group	-1.09%	-0.52%	-2.89%	+12.93%	+116.21%
LC LendingClub	0.00%	0.00%	0.00%	0.00%	+8.46%
QFIN Qfin	-0.76%	-2.24%	-31.98%	-48.16%	-74.37%
UPST Upstart	+1.52%	+2.73%	-14.29%	-20.24%	-59.98%

Compare Analyst Forecasts

Company	Consensus Rating Score	Consensus Rating	Consensus Price Target	% Upside from Current Price
ECPG Encore Capital Group	3.17	Buy	$89.75	-5.70% Downside
LC LendingClub	2.89	Moderate Buy	$23.07	20.10% Upside
QFIN Qfin	1.63	Reduce	$12.29	60.95% Upside
UPST Upstart	2.41	Hold	$43.75	76.80% Upside

Current Analyst Ratings Breakdown

Latest QFIN, UPST, LC, and ECPG Analyst Ratings

Date	Company	Brokerage	Action	Rating	Price Target
9/22/2026	UPST Upstart	BTIG Research Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Reiterated Rating	Buy	$43.00
9/14/2026	UPST Upstart	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Upgrade	Sell (D+) ➝ Hold (C-)
9/10/2026	QFIN Qfin	Bank of America Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Reiterated Rating	Neutral
9/8/2026	UPST Upstart	Loop Capital Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Initiated Coverage	Buy ➝ Hold	$34.00
8/31/2026	UPST Upstart	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Downgrade	Hold (C-) ➝ Sell (D+)
8/28/2026	QFIN Qfin	Zacks Research Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Downgrade	Hold ➝ Strong Sell
8/26/2026	QFIN Qfin	Jefferies Financial Group Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Reiterated Rating	Buy	$15.40
8/26/2026	QFIN Qfin	Morgan Stanley Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Downgrade	Overweight ➝ Equal Weight	$13.00
8/26/2026	QFIN Qfin	Citigroup Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Downgrade	Buy ➝ Sell	$8.00
8/26/2026	QFIN Qfin	JPMorgan Chase & Co. Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Downgrade	Neutral ➝ Underweight	$13.50 ➝ $9.00
8/17/2026	UPST Upstart	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Upgrade	Sell (D) ➝ Hold (C-)

(Data available from 9/23/2023 forward. View 10+ years of historical ratings with our analyst ratings screener.)

Compare Sales & Book Value

Company	Annual Revenue	Price/Sales	Cashflow	Price/Cash	Book Value	Price/Book
ECPG Encore Capital Group	$1.77B	1.14	$12.27 per share	7.76	$43.79 per share	2.17
LC LendingClub	$1.03B	2.14	$1.72 per share	11.14	$13.03 per share	1.47
QFIN Qfin	$2.75B	0.34	$5.87 per share	1.30	$24.33 per share	0.31
UPST Upstart	$1.04B	2.31	$0.78 per share	31.73	$8.21 per share	3.01

Compare Profitability & Earnings

Company	Net Income	EPS	Trailing P/E Ratio	Forward P/E Ratio	P/E Growth	Net Margins	Return on Equity (ROE)	Return on Assets (ROA)	Next Earnings Date
ECPG Encore Capital Group	$256.83M	$13.21	7.21	6.50	N/A	15.86%	29.83%	5.58%	11/4/2026 (Estimated)
LC LendingClub	$135.68M	$1.49	12.89	8.73	N/A	16.99%	11.92%	1.55%	N/A
QFIN Qfin	$856.52M	$4.16	1.84	3.02	N/A	22.23%	15.23%	6.60%	11/18/2026 (Estimated)
UPST Upstart	$53.60M	$0.49	50.50	14.22	0.90	4.84%	7.13%	1.82%	11/3/2026 (Estimated)

Latest QFIN, UPST, LC, and ECPG Earnings

Date	Quarter	Company	Consensus Estimate	Reported EPS	Beat/Miss	Gap EPS	Revenue Estimate	Actual Revenue
8/25/2026	Q2 2026	QFIN Qfin	$1.06	$0.48	-$0.58	$0.48	$562.45 million	$524.96 million
8/14/2026	Q2 2026	QFIN Qfin	N/A	$0.5480	N/A	$0.48	N/A	$524.96 million
8/5/2026	Q2 2026	ECPG Encore Capital Group	$2.67	$2.81	+$0.14	$2.81	$455.10 million	$491.87 million
8/4/2026	Q2 2026	UPST Upstart	$0.1782	$0.16	-$0.0182	$0.16	$354.74 million	$364.71 million

Compare Dividends

Company	Annual Payout	Dividend Yield	5-Year Annualized Dividend Growth	Payout Ratio	Years of Consecutive Growth
ECPG Encore Capital Group	N/A	N/A	N/A	N/A	N/A
LC LendingClub	N/A	N/A	N/A	N/A	N/A
QFIN Qfin	$0.90	11.79%	N/A	21.63%	N/A
UPST Upstart	N/A	N/A	N/A	N/A	N/A

Latest QFIN, UPST, LC, and ECPG Dividends

Announcement	Company	Period	Amount	Yield	Ex-Dividend Date	Record Date	Payable Date
8/25/2026	QFIN Qfin		$0.46	10.7%	9/9/2026	9/9/2026	10/1/2026

(Data available from 1/1/2013 forward)

Compare Debt

Company	Debt-to-Equity Ratio	Current Ratio	Quick Ratio
ECPG Encore Capital Group	3.87	0.96	0.96
LC LendingClub	N/A	0.72	0.54
QFIN Qfin	0.03	2.17	2.17
UPST Upstart	N/A	0.49	0.49

Compare Ownership

Institutional Ownership

Company	Institutional Ownership
ECPG Encore Capital Group	N/A
LC LendingClub	74.08%
QFIN Qfin	74.81%
UPST Upstart	63.01%

Insider Ownership

Company	Insider Ownership
ECPG Encore Capital Group	3.00%
LC LendingClub	3.19%
QFIN Qfin	17.10%
UPST Upstart	17.29%

Compare Miscellaneous Stats

Company	Employees	Shares Outstanding	Free Float	Optionable
ECPG Encore Capital Group	7,350	21.21 million	20.57 million	Optionable
LC LendingClub	1,075	115.35 million	111.53 million	Optionable
QFIN Qfin	3,557	121.75 million	100.93 million	Optionable
UPST Upstart	1,405	97.31 million	80.49 million	Optionable

QFIN, UPST, LC, and ECPG Headlines

Recent News About These Companies

Consumer Lending Stocks Slide While Financials Barely Budge: Upstart and Affirm Drop 4%, SoFi Eases

1 hour ago | 247wallst.com

Upstart (UPST) Stock Looks About Right As Earnings Questions Persist

September 20 at 7:25 PM | finance.yahoo.com

Upstart Holdings (UPST) Nears Earnings, Is The Stock Trading At A Discount?

September 20 at 7:25 PM | finance.yahoo.com

Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits.

September 19, 2026 | fool.com

Upstart Holdings, Inc. (UPST) Laps the Stock Market: Here's Why

September 18, 2026 | finance.yahoo.com

Upstart Holdings, Inc. (UPST) Laps the Stock Market: Here's Why

September 18, 2026 | zacks.com

Kuehn Law Encourages Investors of Upstart Holdings, Inc. to Contact Law Firm

September 17, 2026 | prnewswire.com

Upstart Holdings, Inc. (NASDAQ:UPST) Receives Consensus Recommendation of "Hold" from Analysts

September 17, 2026 | americanbankingnews.com

Upstart Holdings, Inc. (NASDAQ:UPST) Receives Average Recommendation of "Hold" from Analysts

September 17, 2026 | marketbeat.com

Upstart Holdings, Inc. (UPST) Sees a More Significant Dip Than Broader Market: Some Facts to Know

September 15, 2026 | finance.yahoo.com

Upstart Holdings, Inc. (UPST) Sees a More Significant Dip Than Broader Market: Some Facts to Know

September 15, 2026 | zacks.com

Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It

September 15, 2026 | zacks.com

WINTON GROUP Ltd Has $659,000 Position in Upstart Holdings, Inc. $UPST

September 15, 2026 | marketbeat.com

Upstart's CEO Spoke at Goldman Sachs Conference This Week — Here's What to Know

September 13, 2026 | finance.yahoo.com

Could Upstart 10x From Here? The AI Fintech Platform Could Be the Most Misunderstood Stock on the Market

September 13, 2026 | fool.com

Upstart (NASDAQ:UPST) Shares Gap Up After Insider Buying Activity

September 13, 2026 | americanbankingnews.com

Insider Buying: Upstart (NASDAQ:UPST) CEO Purchases 50,000 Shares of Stock

September 11, 2026 | insidertrades.com

Loop Capital initiates coverage of Upstart Holdings with hold rating

September 10, 2026 | msn.com

Upstart (NASDAQ:UPST) CEO Acquires 50,000 Shares of Stock

September 10, 2026 | marketbeat.com

Upstart (NASDAQ:UPST) Insider Sells $3,165,640.00 in Stock

September 10, 2026 | marketbeat.com

UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC Sells 40,292 Shares of Upstart Holdings, Inc. $UPST

September 10, 2026 | marketbeat.com

New MarketBeat Followers Over Time

Media Sentiment Over Time

Top Headlines

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QFIN, UPST, LC, and ECPG Company Descriptions

Encore Capital Group NASDAQ:ECPG

$95.18 -3.11 (-3.16%)

As of 01:53 PM Eastern

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.

LendingClub NYSE:LC

$19.21 0.00 (0.00%)

As of 09/22/2026

LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit. The company also provides loan products, such as consumer loans comprising unsecured personal loans, secured auto refinance loans, and patient and education finance loans; and commercial loans, including small business loans. In addition, it operates an online lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.

Qfin NASDAQ:QFIN

$7.64 -0.24 (-2.99%)

As of 01:53 PM Eastern

Qifu Technology, Inc., through its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. It provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. The company also offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. The company was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.

Upstart NASDAQ:UPST

$24.74 -1.23 (-4.72%)

As of 01:53 PM Eastern

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

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Compare Stocks

Comparative Price Performance Over Time

Compare Price & Volume

Compare Price Performance

Compare Price & Volume

Compare Price Performance

Compare Analyst Forecasts

Current Analyst Ratings Breakdown

Latest QFIN, UPST, LC, and ECPG Analyst Ratings

Compare Sales & Book Value

Compare Profitability & Earnings

Latest QFIN, UPST, LC, and ECPG Earnings

Compare Dividends

Latest QFIN, UPST, LC, and ECPG Dividends

Compare Debt

Compare Ownership

Institutional Ownership

Insider Ownership

Compare Miscellaneous Stats

QFIN, UPST, LC, and ECPG Headlines

Recent News About These Companies

New MarketBeat Followers Over Time

Media Sentiment Over Time

Top Headlines

QFIN, UPST, LC, and ECPG Company Descriptions

Encore Capital Group NASDAQ:ECPG

LendingClub NYSE:LC

Qfin NASDAQ:QFIN

Upstart NASDAQ:UPST

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