Upstart (UPST) Competitors $51.96 -0.92 (-1.74%) Closing price 10/3/2025 04:00 PM EasternExtended Trading$52.02 +0.05 (+0.11%) As of 10/3/2025 07:59 PM 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, BCH, WF, COOP, IREN, and CIBShould 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 De Chile (BCH), Woori Bank (WF), Mr. Cooper Group (COOP), IREN (IREN), and BanColombia (CIB). Upstart vs. Its Competitors Affirm SoFi Technologies Fair Isaac LendingClub Lemonade Banco De Chile Woori Bank Mr. Cooper Group IREN BanColombia Affirm (NASDAQ:AFRM) and Upstart (NASDAQ:UPST) are both banking companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, analyst recommendations, earnings, media sentiment, profitability, valuation, risk and institutional ownership. Which has more risk and volatility, 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. Does the media prefer AFRM or UPST? In the previous week, Upstart had 3 more articles in the media than Affirm. MarketBeat recorded 3 mentions for Upstart and 0 mentions for Affirm. Affirm's average media sentiment score of 0.67 beat Upstart's score of -0.17 indicating that Affirm is being referred to more favorably in the media. Company Overall Sentiment Affirm Positive Upstart Neutral Do insiders and institutionals have more ownership in AFRM or UPST? 69.3% of Affirm shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 11.8% of Affirm shares are owned by company insiders. Comparatively, 16.7% of Upstart shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term. Which has better valuation and 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$3.24B7.51$52.19M$0.13575.62Upstart$636.53M7.85-$128.58M-$0.08-649.50 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% Do analysts prefer AFRM or UPST? Affirm currently has a consensus target price of $80.04, indicating a potential upside of 6.97%. Upstart has a consensus target price of $81.08, indicating a potential upside of 56.05%. 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 Affirm 0 Sell rating(s) 12 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.65Upstart 2 Sell rating(s) 7 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.21 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$5.00B$8.10B$12.72B$10.58BDividend YieldN/A4.80%5.50%4.69%P/E Ratio-649.5016.7239.9026.71Price / Sales7.855.9330.07131.81Price / CashN/A27.9122.6461.31Price / Book7.492.762.286.55Net Income-$128.58M$313.50M$1.01B$277.50M7 Day Performance-9.40%3.14%0.14%2.42%1 Month Performance-22.33%11.10%0.87%8.63%1 Year Performance25.81%25.44%540.63%31.60% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart4.1198 of 5 stars$51.96-1.7%$81.08+56.0%+25.8%$5.00B$636.53M-649.501,193AFRMAffirm2.5759 of 5 stars$76.56+0.7%$80.04+4.5%+90.1%$24.93B$3.24B588.972,206SOFISoFi Technologies1.999 of 5 stars$27.55-1.5%$20.18-26.8%+200.8%$32.99B$3.05B57.405,000Trending NewsFICOFair Isaac4.8211 of 5 stars$1,525.96+0.5%$2,101.71+37.7%-3.2%$36.62B$1.72B59.683,586Trending NewsAnalyst UpgradeAnalyst RevisionLCLendingClub4.4918 of 5 stars$16.08-2.8%$16.57+3.1%+27.3%$1.85B$787.01M25.131,002LMNDLemonade3.1509 of 5 stars$54.37+5.7%$41.14-24.3%+226.6%$4.02B$526.50M-19.211,235Gap UpBCHBanco De Chile1.3618 of 5 stars$30.11+0.4%$23.00-23.6%+24.8%$15.21B$4.21B10.7111,614Positive NewsWFWoori Bank3.0003 of 5 stars$57.16+1.3%N/A+59.0%$14.15B$19.04B7.2013,279Positive NewsCOOPMr. Cooper Group4.6336 of 5 stars$216.79+3.1%$140.38-35.2%N/A$13.87B$2.23B24.807,900Positive NewsOptions VolumeIRENIREN3.0203 of 5 stars$45.93+9.7%$44.92-2.2%+481.3%$12.49B$501.02M77.85100Trending NewsCIBBanColombia2.6134 of 5 stars$51.61-0.6%$43.75-15.2%+66.4%$12.41B$10.55B7.8334,114News CoveragePositive News Related Companies and Tools Related Companies Affirm Alternatives SoFi Technologies Alternatives Fair Isaac Alternatives LendingClub Alternatives Lemonade Alternatives Banco De Chile Alternatives Woori Bank Alternatives Mr. Cooper Group Alternatives IREN Alternatives BanColombia 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 10/5/2025 by MarketBeat.com Staff From Our PartnersMagnificent 7 being replaced by the “Hidden 7”?BULLISH: It's time to buy this 'hidden' AI stock An award-winning stock-rating system has turned BULLISH on...Chaikin Analytics | SponsoredU.S. Government Sparking Crypto RallyU.S. Puts GDP on the Blockchain Could this spark the next crypto supercycle? 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