Prosper Marketplace Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Prosper Marketplace Inc (PRMC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Prosper Marketplace Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 228M vs 1,628M combined for tracked competitors (12.3% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+2.3% annualized vs trailing 12 months), vs decelerating (-5.6%) for its tracked peer group.
- Growth: Prosper Marketplace Inc generated 36.8% revenue growth year over year in Q1 2026, vs 36.7% for its tracked competitors combined.
- Profitability: Its 30.4% net margin compares with 13.4% for the peer group.
- Peer revenue share: Prosper Marketplace Inc accounted for 13.2% of combined revenue among its tracked peer group, up from 13.2% a year earlier.
- Peer differentiation: Revenue per employee of $0.59M compares with $0.66M for the peer group (0.9x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
PRMC Sales vs. its Competitors, Q1 2026
Prosper Marketplace Inc reported revenue growth of 36.81 % year on year in Q1 2026, above its competitors' combined revenue growth of 36.68 %.
With a net margin of 30.43 %, Prosper Marketplace Inc achieved higher profitability than its competitors (13.41 %).
Prosper Marketplace Inc generated 13.19 % of the combined sales of its peer group, up from 13.18 % a year earlier.
Prosper Marketplace Inc vs. its Competitors, Q1 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Prosper Marketplace Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Prosper Marketplace Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (2) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (5) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Prosper Marketplace Inc's competitor groups requires a Commercial License.
For context: the Miscellaneous Financial Services industry grew revenue 293.3% year over year, combined, vs 36.8% for Prosper Marketplace Inc. Prosper Marketplace Inc's share of combined industry revenue moved from 0.05% to 0.02%, a loss of 0.03 percentage points.
Prosper Marketplace Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Prosper Marketplace Inc | No | Yes | Yes | No |
| Competitors combined (2) | ||||
| High-Confidence Competitors (2) | ||||
| Similar Growth & Profitability (8) | 62.50 % (5 of 8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 12.50 % (1 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
PRMC Stock Performance relative to its Competitors
PRMC Stock Performance relative to High-Confidence Competitors
PRMC Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Upstart Holdings Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Prosper Marketplace Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Prosper Marketplace Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Prosper Marketplace Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Prosper Marketplace Inc | - | 228.25 |
| Upstart Holdings Inc | 2,526.87 | 1,246.12 |
| Lendingclub Corporation | 2,296.22 | 381.44 |
| SUBTOTAL | 4,823.09 | 1,855.81 |
Sources: Prosper Marketplace Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Prosper Marketplace Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Prosper Marketplace Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Upstart Holdings, Inc. | Named by the company | 85% |
| LendingClub Corporation | Named by the company | 85% |
| Social Finance Inc. | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Prosper Marketplace Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Prosper Marketplace Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Prosper Marketplace Inc | Consumer Finance 81.14 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Prosper Marketplace Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Prosper Marketplace Inc | - | 592,865 | -177,442 |
| Upstart Holdings Inc | 2,527 | 886,916 | 92,743 |
| Lendingclub Corporation | 2,296 | 354,827 | 163,357 |
| PEERS TOTAL | 4,823 | 656,273 | 123,352 |
Prosper Marketplace Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Miscellaneous Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (80 companies). See the full Miscellaneous Financial Services industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 71.04 % | 53.42 % (avg) | +17.6 pp |
| Operating Margin | -12.96 % | industry median | -12.6 pp |
| EBITDA Margin | 14.88 % | 2.15 % (avg) | +12.7 pp |
| Capital Intensity (Capex / Revenue) | 7.60 % | 4.86 % (avg) | +2.7 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Prosper Marketplace Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -10.22 % | 47.15 % | -10.53 % | 7.62 % | 35.18 % | -31.11 % | 25.89 % | 22.61 % |
| Operating Margin | -43.99 % | -12.13 % | 13.51 % | -93.51 % | 81.93 % | -77.26 % | -31.13 % | -16.72 % |
| Return on Invested Capital | -42.14 % | -4.85 % | 5.34 % | -51.75 % | 35.16 % | -17.85 % | -28.53 % | 71.70 % |
| P/E | - | - | - | - | - | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Prosper Marketplace Inc's Strategic Group Map
Every company in Prosper Marketplace Inc's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Prosper Marketplace Inc is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Prosper Marketplace Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 7.60 % vs industry average 4.86 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Prosper Marketplace Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Prosper Marketplace Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Prosper Marketplace Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Prosper Marketplace Inc falls in the Low attractiveness / High strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Prosper Marketplace Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Return on equity 9.3 points above the industry aggregate.
- Latest-quarter revenue run-rate is accelerating (+2.3% annualized vs trailing 12 months).
Weaknesses
- Operating margin 12.6 points below the industry median.
Opportunities
- A meaningful share of tracked competitors (50.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-5.6% annualized).
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Prosper Marketplace Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Prosper Marketplace Inc | 0.59 | 2.59 | - |
| Upstart Holdings Inc | 3.87 | 14.28 | 2.48 |
| Lendingclub Corporation | - | 0.90 | - |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Prosper Marketplace Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Prosper Marketplace Inc | Q1 2026 | +36.8 % | -64.7 % |
| Upstart Holdings Inc | Q2 2026 | +41.7 % | +199.1 % |
| Lendingclub Corporation | Q1 2026 | +12.2 % | +342.1 % |
| PEERS TOTAL | +35.7 % | +40.6 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Prosper Marketplace Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Prosper Marketplace Inc | Q1 2026 | - | +76.9 % |
| Upstart Holdings Inc | Q2 2026 | - | +43.2 % |
| Lendingclub Corporation | Q1 2026 | -77.5 % | +97.3 % |
Prosper Marketplace Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Prosper Marketplace Inc | - | - | - |
| Upstart Holdings Inc | 4.34% | 4.46% | 16.96% |
| Lendingclub Corporation | 1.55% | 10.32% | 11.92% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Prosper Marketplace Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Prosper Marketplace Inc | - | - |
| Upstart Holdings Inc | 41.13 | 2.03 |
| Lendingclub Corporation | 13.13 | 6.02 |
| PEERS AVERAGE | 20.30 | 2.60 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.