Upstart (UPST) Competitors $49.82 -0.58 (-1.14%) As of 01:14 PM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSustainabilityTrendsBuy This Stock UPST vs. AFRM, SOFI, FICO, LC, LMND, BSBR, IREN, BCH, WF, and COOPShould you be buying Upstart stock or one of its competitors? The main competitors of Upstart include Affirm (AFRM), SoFi Technologies (SOFI), Fair Isaac (FICO), LendingClub (LC), Lemonade (LMND), Banco Santander Brasil (BSBR), IREN (IREN), Banco De Chile (BCH), Woori Bank (WF), and Mr. Cooper Group (COOP). Upstart vs. Its Competitors Affirm SoFi Technologies Fair Isaac LendingClub Lemonade Banco Santander Brasil IREN Banco De Chile Woori Bank Mr. Cooper Group Affirm (NASDAQ:AFRM) and Upstart (NASDAQ:UPST) are both banking companies, but which is the superior business? We will contrast the two companies based on the strength of their valuation, risk, analyst recommendations, earnings, dividends, media sentiment, profitability and institutional ownership. Do insiders & institutionals have more ownership in AFRM or UPST? 69.3% of Affirm shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 11.8% of Affirm shares are held by company insiders. Comparatively, 16.7% of Upstart shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth. Which has more volatility & risk, AFRM or UPST? Affirm has a beta of 3.58, meaning that its stock price is 258% more volatile than the S&P 500. Comparatively, Upstart has a beta of 2.28, meaning that its stock price is 128% more volatile than the S&P 500. Is AFRM or UPST more profitable? Affirm has a net margin of 1.62% compared to Upstart's net margin of -0.75%. Affirm's return on equity of 1.80% beat Upstart's return on equity.Company Net Margins Return on Equity Return on Assets Affirm1.62% 1.80% 0.49% Upstart -0.75%-5.95%-1.75% Which has preferable valuation & earnings, AFRM or UPST? Affirm has higher revenue and earnings than Upstart. Upstart is trading at a lower price-to-earnings ratio than Affirm, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioAffirm$3.24B7.27$52.19M$0.13556.96Upstart$636.53M7.54-$128.58M-$0.08-623.30 Do analysts recommend AFRM or UPST? Affirm currently has a consensus price target of $86.00, indicating a potential upside of 18.78%. Upstart has a consensus price target of $79.67, indicating a potential upside of 59.77%. Given Upstart's higher possible upside, analysts clearly believe Upstart is more favorable than Affirm.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Affirm 0 Sell rating(s) 10 Hold rating(s) 19 Buy rating(s) 2 Strong Buy rating(s) 2.74Upstart 2 Sell rating(s) 7 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.21 Does the media favor AFRM or UPST? In the previous week, Affirm had 7 more articles in the media than Upstart. MarketBeat recorded 14 mentions for Affirm and 7 mentions for Upstart. Upstart's average media sentiment score of 0.74 beat Affirm's score of 0.61 indicating that Upstart is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Affirm 5 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Upstart 3 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Positive SummaryAffirm beats Upstart on 13 of the 17 factors compared between the two stocks. Get Upstart News Delivered to You Automatically Sign up to receive the latest news and ratings for UPST and its competitors with MarketBeat's FREE daily newsletter. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding UPST and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart UPST vs. The Competition Export to ExcelMetricUpstartFIN IndustryFinance SectorNASDAQ ExchangeMarket Cap$4.85B$8.03B$12.60B$10.49BDividend YieldN/A4.98%5.60%4.80%P/E Ratio-629.5416.5330.0227.34Price / Sales7.546.6629.74198.35Price / CashN/A29.7922.4961.53Price / Book7.192.802.326.79Net Income-$128.58M$310.95M$1.02B$276.59M7 Day Performance-3.66%0.14%-0.06%-0.11%1 Month Performance-25.55%3.98%-0.25%7.78%1 Year Performance-5.76%26.84%536.73%34.04% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart4.2341 of 5 stars$49.86-1.0%$79.67+59.8%-6.8%$4.85B$636.53M-629.541,193Analyst ForecastGap UpAFRMAffirm3.1391 of 5 stars$75.86+1.4%$82.04+8.1%+48.0%$24.70B$3.24B583.582,206Analyst ForecastAnalyst RevisionSOFISoFi Technologies1.8922 of 5 stars$26.36+4.4%$20.18-23.5%+177.6%$31.56B$2.67B54.925,000Analyst ForecastFICOFair Isaac4.9477 of 5 stars$1,849.870.0%$2,130.29+15.2%-20.4%$44.40B$1.72B72.353,586Positive NewsAnalyst DowngradeAnalyst RevisionLCLendingClub3.9701 of 5 stars$14.79+0.2%$16.57+12.0%+25.4%$1.70B$787.01M23.111,002Upcoming EarningsLMNDLemonade3.2266 of 5 stars$55.99+2.7%$41.14-26.5%+199.3%$4.14B$526.50M-19.781,235Gap UpBSBRBanco Santander Brasil3.6506 of 5 stars$5.40-1.6%$5.35-0.9%-2.6%$20.14B$25.44B6.6755,646Dividend IncreaseIRENIREN2.4317 of 5 stars$57.75+14.4%$47.73-17.4%+715.5%$15.71B$501.02M97.88100Trending NewsAnalyst ForecastGap UpBCHBanco De Chile1.6451 of 5 stars$30.46-0.5%$23.00-24.5%+26.0%$15.38B$3.01T10.8411,614WFWoori Bank3.1663 of 5 stars$56.50+0.6%N/A+41.9%$13.99B$12.85T7.1213,279News CoverageCOOPMr. Cooper Group4.5352 of 5 stars$210.79flat$140.38-33.4%N/A$13.49B$2.23B24.127,900Positive NewsUpcoming Earnings Related Companies and Tools Related Companies Affirm Alternatives SoFi Technologies Alternatives Fair Isaac Alternatives LendingClub Alternatives Lemonade Alternatives Banco Santander Brasil Alternatives IREN Alternatives Banco De Chile Alternatives Woori Bank Alternatives Mr. Cooper Group Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:UPST) was last updated on 10/15/2025 by MarketBeat.com Staff From Our PartnersURGENT: The Market's 3 Red Flags Are FlashingHere’s the uncomfortable truth: The smartest investors in the world are already preparing for a crash befor...StockEarnings | SponsoredYour Bank Account Is No Longer SafeWhat If Washington Declared That: YOUR Money ISN'T Actually Yours? 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