Upstart (UPST) Competitors $63.08 +0.89 (+1.43%) Closing price 09/12/2025 04:00 PM EasternExtended Trading$64.50 +1.42 (+2.25%) As of 06:10 AM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours 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, CRCL, SHG, CFG, BAP, and BSBRShould 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), Circle Internet Group (CRCL), Shinhan Financial Group (SHG), Citizens Financial Group (CFG), Credicorp (BAP), and Banco Santander Brasil (BSBR). Upstart vs. Its Competitors Affirm SoFi Technologies Fair Isaac LendingClub Lemonade Circle Internet Group Shinhan Financial Group Citizens Financial Group Credicorp Banco Santander Brasil Upstart (NASDAQ:UPST) and Affirm (NASDAQ:AFRM) are both banking companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, media sentiment, valuation, profitability, risk, dividends, earnings and analyst recommendations. Which has more volatility and risk, UPST or AFRM? Upstart has a beta of 2.37, suggesting that its share price is 137% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.64, suggesting that its share price is 264% more volatile than the S&P 500. Do analysts recommend UPST or AFRM? Upstart presently has a consensus target price of $78.54, indicating a potential upside of 24.51%. Affirm has a consensus target price of $80.04, indicating a potential downside of 3.65%. Given Upstart's higher probable upside, analysts clearly believe Upstart is more favorable than Affirm.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Upstart 1 Sell rating(s) 7 Hold rating(s) 6 Buy rating(s) 0 Strong Buy rating(s) 2.36Affirm 0 Sell rating(s) 11 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.67 Is UPST or AFRM 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 Upstart-0.75% -5.95% -1.75% Affirm 1.62%1.80%0.49% Does the media refer more to UPST or AFRM? In the previous week, Affirm had 7 more articles in the media than Upstart. MarketBeat recorded 10 mentions for Affirm and 3 mentions for Upstart. Upstart's average media sentiment score of 0.92 beat Affirm's score of 0.61 indicating that Upstart is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Upstart 0 Very Positive mention(s) 2 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Affirm 2 Very Positive mention(s) 1 Positive mention(s) 3 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Positive Do insiders and institutionals believe in UPST or AFRM? 63.0% of Upstart shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 16.7% of Upstart shares are owned by insiders. Comparatively, 11.8% of Affirm shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term. Which has better earnings and valuation, UPST or AFRM? 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 RatioUpstart$636.53M9.54-$128.58M-$0.08-788.50Affirm$3.24B8.34$52.19M$0.13639.08 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$6.07B$7.95B$12.64B$10.18BDividend YieldN/A4.66%5.41%4.60%P/E Ratio-788.5017.25244.1026.02Price / Sales9.546.7730.8091.11Price / CashN/A27.0119.2529.91Price / Book9.093.032.316.25Net Income-$128.58M$313.53M$1.01B$270.76M7 Day Performance-7.53%6.07%0.75%2.54%1 Month Performance-1.58%7.62%3.27%5.73%1 Year Performance65.87%32.99%543.66%25.85% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart4.4082 of 5 stars$63.08+1.4%$78.54+24.5%+65.9%$6.07B$636.53M-788.501,193AFRMAffirm2.1562 of 5 stars$85.88-1.7%$79.04-8.0%+88.8%$27.97B$3.24B660.672,206Analyst ForecastSOFISoFi Technologies2.2412 of 5 stars$25.96+1.4%$19.35-25.5%+243.0%$31.09B$3.05B54.085,000Trending NewsFICOFair Isaac4.9418 of 5 stars$1,540.11+0.5%$2,098.14+36.2%-17.4%$36.96B$1.72B60.233,586Positive NewsLCLendingClub4.1448 of 5 stars$16.51-0.6%$16.57+0.4%+53.8%$1.89B$787.01M25.791,002LMNDLemonade2.6838 of 5 stars$52.91+5.3%$40.43-23.6%+188.0%$3.91B$526.50M-18.691,235CRCLCircle Internet Group2.025 of 5 stars$112.41-1.9%$170.91+52.0%N/A$25.79BN/A-8,883.36900Trending NewsAnalyst ForecastSHGShinhan Financial Group4.3193 of 5 stars$46.91+0.2%N/A+16.9%$22.77B$24.56B4.70190Positive NewsShort Interest ↓CFGCitizens Financial Group4.0379 of 5 stars$51.75+0.1%$51.53-0.4%+29.3%$22.32B$12.36B15.7317,287Positive NewsBAPCredicorp4.3737 of 5 stars$263.08+0.7%$239.83-8.8%+51.7%$20.92B$7.00B14.3138,000Positive NewsBSBRBanco Santander Brasil2.6863 of 5 stars$5.37-1.4%$5.35-0.3%-4.0%$19.97B$25.44B6.6255,646News CoverageAnalyst UpgradeShort Interest ↑ Related Companies and Tools Related Companies Affirm Alternatives SoFi Technologies Alternatives Fair Isaac Alternatives LendingClub Alternatives Lemonade Alternatives Circle Internet Group Alternatives Shinhan Financial Group Alternatives Citizens Financial Group Alternatives Credicorp Alternatives Banco Santander Brasil 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 9/15/2025 by MarketBeat.com Staff From Our PartnersHe Called Nvidia at $1.10. 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