Upstart (UPST) Competitors $83.53 +0.83 (+1.00%) Closing price 07/25/2025 04:00 PM EasternExtended Trading$83.62 +0.09 (+0.11%) As of 07/25/2025 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, SYF, BBDO, IX, SHG, and CFGShould 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), Synchrony Financial (SYF), Banco Bradesco (BBDO), Orix Corp Ads (IX), Shinhan Financial Group (SHG), and Citizens Financial Group (CFG). Upstart vs. Its Competitors Affirm SoFi Technologies Fair Isaac LendingClub Lemonade Synchrony Financial Banco Bradesco Orix Corp Ads Shinhan Financial Group Citizens Financial Group Upstart (NASDAQ:UPST) and Affirm (NASDAQ:AFRM) are both banking companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, media sentiment, analyst recommendations, profitability, earnings, dividends and valuation. Which has more risk & volatility, UPST or AFRM? Upstart has a beta of 2.37, indicating that its share price is 137% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.63, indicating that its share price is 263% more volatile than the S&P 500. Is UPST or AFRM more profitable? Affirm has a net margin of -2.07% compared to Upstart's net margin of -9.20%. Affirm's return on equity of -2.22% beat Upstart's return on equity.Company Net Margins Return on Equity Return on Assets Upstart-9.20% -15.27% -4.60% Affirm -2.07%-2.22%-0.61% Do analysts prefer UPST or AFRM? Upstart presently has a consensus price target of $71.62, indicating a potential downside of 14.26%. Affirm has a consensus price target of $67.82, indicating a potential upside of 1.09%. Given Affirm's stronger consensus rating and higher possible upside, analysts plainly believe Affirm is more favorable than Upstart.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Upstart 1 Sell rating(s) 8 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.29Affirm 0 Sell rating(s) 8 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.74 Does the media prefer UPST or AFRM? In the previous week, Upstart and Upstart both had 3 articles in the media. Upstart's average media sentiment score of 0.78 beat Affirm's score of 0.65 indicating that Upstart is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Upstart 1 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Affirm 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Which has stronger valuation & earnings, UPST or AFRM? Upstart has higher earnings, but lower revenue than Affirm. Affirm is trading at a lower price-to-earnings ratio than Upstart, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioUpstart$636.53M12.48-$128.58M-$0.75-111.37Affirm$2.32B9.32-$517.76M-$0.21-319.48 Do insiders and institutionals have more ownership 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 endowments, hedge funds and large money managers believe a company is poised for long-term growth. SummaryAffirm beats Upstart on 11 of the 16 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. Email Address 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$7.87B$7.95B$12.28B$9.50BDividend YieldN/A4.71%5.54%4.01%P/E Ratio-111.3718.8119.0320.05Price / Sales12.485.4126.1089.19Price / CashN/A21.4421.6358.56Price / Book12.042.792.205.87Net Income-$128.58M$311.63M$997.25M$258.55M7 Day Performance6.60%0.33%0.60%3.73%1 Month Performance31.85%17.86%3.44%11.75%1 Year Performance219.92%27.09%536.57%18.03% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart3.6546 of 5 stars$83.53+1.0%$71.62-14.3%+224.3%$7.87B$636.53M-111.371,193AFRMAffirm2.3505 of 5 stars$66.75-3.1%$67.32+0.8%+153.6%$21.53B$2.32B-317.882,006Analyst ForecastSOFISoFi Technologies1.9103 of 5 stars$21.16-3.0%$16.78-20.7%+191.6%$23.39B$2.67B51.615,000Upcoming EarningsFICOFair Isaac4.9435 of 5 stars$1,534.93-0.4%$2,218.64+44.5%-2.9%$37.36B$1.72B66.103,586Positive NewsUpcoming EarningsLCLendingClub4.735 of 5 stars$12.82-1.7%$16.71+30.4%+18.9%$1.46B$787.01M29.131,002Upcoming EarningsLMNDLemonade1.823 of 5 stars$40.15-4.7%$30.50-24.0%+76.2%$2.94B$526.50M-13.211,235Analyst DowngradeSYFSynchrony Financial4.9609 of 5 stars$69.44-0.9%$73.22+5.4%+44.7%$25.84B$22.65B9.5320,000Trending NewsEarnings ReportDividend AnnouncementAnalyst ForecastAnalyst RevisionBBDOBanco Bradesco1.5957 of 5 stars$2.43-0.2%N/A+19.6%$25.81B$37.55B7.5888,400Positive NewsUpcoming EarningsHigh Trading VolumeIXOrix Corp Ads3.9255 of 5 stars$22.59+1.1%N/A+0.6%$25.75B$18.88B11.1933,982Positive NewsSHGShinhan Financial Group4.7794 of 5 stars$49.77+1.0%N/A+31.1%$24.68B$24.56B6.48190News CoverageGap UpCFGCitizens Financial Group4.4815 of 5 stars$48.580.0%$51.05+5.1%+14.4%$21.23B$12.36B14.7617,287Dividend Announcement Related Companies and Tools Related Companies Affirm Alternatives SoFi Technologies Alternatives Fair Isaac Alternatives LendingClub Alternatives Lemonade Alternatives Synchrony Financial Alternatives Banco Bradesco Alternatives Orix Corp Ads Alternatives Shinhan Financial Group Alternatives Citizens Financial 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 7/26/2025 by MarketBeat.com Staff From Our PartnersTrump's 2025 Economic Revolution Is Here Are Your Retirement Savings Ready?Time is short. 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