PayPal (NASDAQ: PYPL) and Upstart (NASDAQ: UPST) represent two very different ways to invest in the fintech market. PayPal processes digital payments for businesses and individuals, while Upstart helps lenders approve loans with non-traditional data like a customer's educational history, area of study, GPA, standardized test scores, and work history.

Both stocks attracted a lot of bulls during the pandemic-induced rally in growth stocks last year but fizzled out as rising interest rates and other macro headwinds crushed the market. PayPal's stock hit an all-time high of $308.53 last July, but now trades at about $80. Upstart closed at an all-time high of $390 last October, but it trades at $23 today. Could either of these beaten-down fintech plays bounce back? Let's take a fresh look at their businesses to find out.

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Source Fool.com