Compare Stocks: UPST, PGY, OPFI, and LMND

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
LMND Lemonade	$44.26 +3.0%	$45.73	$38.36 ▼ $99.90	$3.45B	1.98	1.74 million shs	2.01 million shs
OPFI OppFi	$5.96 +0.8%	$6.25	$5.36 ▼ $11.69	$504.57M	1.95	705,145 shs	413,795 shs
PGY Pagaya Technologies	$16.87	$18.98	$10.40 ▼ $26.80	$1.42B	5.67	3.32 million shs	1.20 million shs
UPST Upstart	$19.56 +2.1%	$23.88	$18.91 ▼ $52.10	$1.93B	2.48	4.72 million shs	4.97 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
LMND Lemonade	+5.73%	+4.10%	-3.88%	-18.45%	-43.92%
OPFI OppFi	-1.17%	-6.02%	+1.82%	-17.10%	-39.52%
PGY Pagaya Technologies	-2.15%	-3.10%	-5.33%	-21.75%	-34.92%
UPST Upstart	-6.86%	-13.50%	-19.64%	-37.07%	-51.67%

Compare Price & Volume

Company	Current Price	50-Day Moving Average	52-Week Range	Market Cap	Beta	Avg. Volume	Today's Volume
LMND Lemonade	$44.26 +3.0%	$45.73	$38.36 ▼ $99.90	$3.45B	1.98	1.74 million shs	2.01 million shs
OPFI OppFi	$5.96 +0.8%	$6.25	$5.36 ▼ $11.69	$504.57M	1.95	705,145 shs	413,795 shs
PGY Pagaya Technologies	$16.87	$18.98	$10.40 ▼ $26.80	$1.42B	5.67	3.32 million shs	1.20 million shs
UPST Upstart	$19.56 +2.1%	$23.88	$18.91 ▼ $52.10	$1.93B	2.48	4.72 million shs	4.97 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
LMND Lemonade	+5.73%	+4.10%	-3.88%	-18.45%	-43.92%
OPFI OppFi	-1.17%	-6.02%	+1.82%	-17.10%	-39.52%
PGY Pagaya Technologies	-2.15%	-3.10%	-5.33%	-21.75%	-34.92%
UPST Upstart	-6.86%	-13.50%	-19.64%	-37.07%	-51.67%

Compare Analyst Forecasts

Company	Consensus Rating Score	Consensus Rating	Consensus Price Target	% Upside from Current Price
LMND Lemonade	2.33	Hold	$60.50	36.68% Upside
OPFI OppFi	2.17	Hold	$10.50	76.32% Upside
PGY Pagaya Technologies	3.00	Buy	$31.63	87.46% Upside
UPST Upstart	2.35	Hold	$32.40	65.64% Upside

Current Analyst Ratings Breakdown

Latest UPST, PGY, OPFI, and LMND Analyst Ratings

Date	Company	Brokerage	Action	Rating	Price Target
11/10/2026	OPFI OppFi	Zacks Research Subscribe to MarketBeat All Access to unlock brokerage rankings	Downgrade	Hold ➝ Strong Sell
11/9/2026	PGY Pagaya Technologies	Weiss Ratings Subscribe to MarketBeat All Access to unlock brokerage rankings	Upgrade	Hold (C-) ➝ Hold (C)
11/9/2026	UPST Upstart	Weiss Ratings Subscribe to MarketBeat All Access to unlock brokerage rankings	Upgrade	Sell (D+) ➝ Hold (C-)
11/9/2026	LMND Lemonade	Piper Sandler Subscribe to MarketBeat All Access to unlock brokerage rankings	Set Price Target		$45.00
11/9/2026	LMND Lemonade	Keefe, Bruyette & Woods Subscribe to MarketBeat All Access to unlock brokerage rankings	Lower Price Target	Market Perform	$48.00 ➝ $45.00
11/6/2026	LMND Lemonade	Truist Financial Subscribe to MarketBeat All Access to unlock brokerage rankings	Lower Price Target	Buy	$70.00 ➝ $60.00
11/6/2026	LMND Lemonade	Citizens Jmp Subscribe to MarketBeat All Access to unlock brokerage rankings	Lower Price Target	Market Outperform	$80.00 ➝ $75.00
11/6/2026	LMND Lemonade	Piper Sandler Subscribe to MarketBeat All Access to unlock brokerage rankings	Lower Price Target	Neutral	$51.00 ➝ $47.00
11/4/2026	OPFI OppFi	Weiss Ratings Subscribe to MarketBeat All Access to unlock brokerage rankings	Reiterated Rating	Hold (C)
11/4/2026	UPST Upstart	Mizuho Subscribe to MarketBeat All Access to unlock brokerage rankings	Set Price Target		$35.00
11/4/2026	UPST Upstart	Bank of America Subscribe to MarketBeat All Access to unlock brokerage rankings	Reiterated Rating	Neutral	$28.00

(Data available from 11/13/2023 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
LMND Lemonade	$737.90M	4.67	N/A	N/A	$6.05 per share	7.32
OPFI OppFi	$597.05M	0.85	$0.59 per share	10.14	$5.23 per share	1.14
PGY Pagaya Technologies	$1.30B	1.09	$3.00 per share	5.63	$7.93 per share	2.13
UPST Upstart	$1.04B	1.85	$0.77 per share	25.50	$8.08 per share	2.42

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
LMND Lemonade	-$165.50M	-$1.88	N/A	N/A	N/A	-12.95%	-28.59%	-7.24%	N/A
OPFI OppFi	$26.33M	$1.52	3.92	4.14	N/A	15.62%	25.06%	12.26%	N/A
PGY Pagaya Technologies	$81.39M	$1.65	10.22	4.31	N/A	10.77%	51.21%	18.92%	N/A
UPST Upstart	$53.60M	$0.59	33.15	16.03	2.00	4.86%	9.67%	2.50%	N/A

Latest UPST, PGY, OPFI, and LMND Earnings

Date	Quarter	Company	Consensus Estimate	Reported EPS	Beat/Miss	Gap EPS	Revenue Estimate	Actual Revenue
11/5/2026	Q3 2026	LMND Lemonade	-$0.5802	-$0.56	+$0.0202	-$0.56	$322.74 million	$336.10 million
11/3/2026	Q3 2026	UPST Upstart	$0.2015	$0.33	+$0.1285	$0.33	$362.68 million	$370.52 million
10/29/2026	Q3 2026	PGY Pagaya Technologies	$0.4670	$1.07	+$0.6030	$0.52	$382.10 million	$390.49 million
10/27/2026	Q3 2026	OPFI OppFi	$0.3550	$0.37	+$0.0150	$0.40	$152.10 million	$92.75 million

Compare Dividends

Company	Annual Payout	Dividend Yield	5-Year Annualized Dividend Growth	Payout Ratio	Years of Consecutive Growth
LMND Lemonade	N/A	N/A	N/A	N/A	N/A
OPFI OppFi	N/A	N/A	N/A	N/A	N/A
PGY Pagaya Technologies	N/A	N/A	N/A	N/A	N/A
UPST Upstart	N/A	N/A	N/A	N/A	N/A

Compare Debt

Company	Debt-to-Equity Ratio	Current Ratio	Quick Ratio
LMND Lemonade	N/A	0.83	0.83
OPFI OppFi	N/A	1.71	1.85
PGY Pagaya Technologies	1.22	11.59	11.59
UPST Upstart	N/A	0.55	0.55

Compare Ownership

Institutional Ownership

Company	Institutional Ownership
LMND Lemonade	80.30%
OPFI OppFi	7.10%
PGY Pagaya Technologies	57.14%
UPST Upstart	63.01%

Insider Ownership

Company	Insider Ownership
LMND Lemonade	12.20%
OPFI OppFi	70.20%
PGY Pagaya Technologies	41.99%
UPST Upstart	17.29%

Compare Miscellaneous Stats

Company	Employees	Shares Outstanding	Free Float	Optionable
LMND Lemonade	1,282	77.92 million	68.42 million	Optionable
OPFI OppFi	410	84.73 million	25.25 million	Optionable
PGY Pagaya Technologies	503	84.03 million	48.75 million	Optionable
UPST Upstart	1,405	98.91 million	81.81 million	Optionable

UPST, PGY, OPFI, and LMND Headlines

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