Upstart (UPST) Competitors $64.09 +0.26 (+0.41%) Closing price 04:00 PM EasternExtended Trading$64.21 +0.12 (+0.19%) As of 07:34 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, SHG, CFG, BAP, BSBR, and BCHShould 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), Shinhan Financial Group (SHG), Citizens Financial Group (CFG), Credicorp (BAP), Banco Santander Brasil (BSBR), and Banco De Chile (BCH). Upstart vs. Its Competitors Affirm SoFi Technologies Fair Isaac LendingClub Lemonade Shinhan Financial Group Citizens Financial Group Credicorp Banco Santander Brasil Banco De Chile 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, dividends, profitability, risk, valuation, earnings, analyst recommendations and media sentiment. Which has more volatility & risk, UPST or AFRM? Upstart has a beta of 2.39, meaning that its share price is 139% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.63, meaning that its share price is 263% more volatile than the S&P 500. Does the media refer more to UPST or AFRM? In the previous week, Upstart had 4 more articles in the media than Affirm. MarketBeat recorded 10 mentions for Upstart and 6 mentions for Affirm. Affirm's average media sentiment score of 0.72 beat Upstart's score of 0.46 indicating that Affirm is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Upstart 3 Very Positive mention(s) 0 Positive mention(s) 4 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Neutral Affirm 1 Very Positive mention(s) 0 Positive mention(s) 4 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Is UPST or AFRM more profitable? Upstart has a net margin of -0.75% compared to Affirm's net margin of -2.07%. Affirm's return on equity of -2.22% beat Upstart's return on equity.Company Net Margins Return on Equity Return on Assets Upstart-0.75% -5.95% -1.75% Affirm -2.07%-2.22%-0.61% Do institutionals & insiders 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 endowments, large money managers and hedge funds believe a stock is poised for long-term growth. Do analysts recommend UPST or AFRM? Upstart currently has a consensus price target of $77.85, indicating a potential upside of 21.46%. Affirm has a consensus price target of $68.09, indicating a potential downside of 13.51%. Given Upstart's higher possible upside, equities analysts plainly believe Upstart is more favorable than Affirm.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) 10 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.69 Which has higher valuation and earnings, UPST or AFRM? Upstart has higher earnings, but lower revenue than Affirm. 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$636.53M9.69-$128.58M-$0.08-801.13Affirm$2.32B10.93-$517.76M-$0.21-374.86 SummaryAffirm beats Upstart on 11 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. 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$6.17B$7.67B$12.37B$9.80BDividend YieldN/A4.73%5.54%4.07%P/E Ratio-801.1319.1019.6325.54Price / Sales9.696.8425.72116.55Price / CashN/A21.5721.7659.48Price / Book8.554.312.286.13Net Income-$128.58M$311.03M$1.00B$264.89M7 Day Performance-6.79%0.88%1.22%2.66%1 Month Performance-13.54%7.25%1.90%3.05%1 Year Performance75.16%30.99%541.87%25.05% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart4.229 of 5 stars$64.09+0.4%$77.85+21.5%+76.9%$6.17B$636.53M-801.131,193Options VolumeAFRMAffirm2.1617 of 5 stars$72.97+0.9%$68.09-6.7%+189.8%$23.54B$3.01B-347.482,006SOFISoFi Technologies2.577 of 5 stars$22.43+1.5%$18.29-18.4%+252.3%$24.79B$3.05B46.735,000FICOFair Isaac4.9571 of 5 stars$1,309.09-0.9%$2,163.14+65.2%-27.1%$31.42B$1.72B51.203,586News CoveragePositive NewsLCLendingClub4.3783 of 5 stars$14.89-0.7%$16.57+11.3%+43.9%$1.71B$787.01M23.261,002Positive NewsLMNDLemonade3.1896 of 5 stars$52.29+6.8%$30.50-41.7%+270.7%$3.86B$526.50M-18.481,235Analyst ForecastAnalyst RevisionSHGShinhan Financial Group4.7784 of 5 stars$49.71-0.9%N/A+21.9%$24.14B$17.65T4.98190Positive NewsShort Interest ↓CFGCitizens Financial Group4.7533 of 5 stars$46.94-0.7%$51.53+9.8%+22.8%$20.25B$12.36B14.2717,287Analyst RevisionBAPCredicorp3.6247 of 5 stars$249.41+0.1%$227.25-8.9%+50.7%$19.84B$7.00B13.5638,000Trending NewsShort Interest ↑BSBRBanco Santander Brasil3.1772 of 5 stars$4.94-0.5%$5.35+8.4%-9.9%$18.37B$25.44B6.0955,646Short Interest ↑BCHBanco De Chile2.3006 of 5 stars$28.77-0.8%$23.00-20.1%+17.7%$14.53B$3.01T10.2411,614Short Interest ↓ Related Companies and Tools Related Companies Affirm Alternatives SoFi Technologies Alternatives Fair Isaac Alternatives LendingClub Alternatives Lemonade Alternatives Shinhan Financial Group Alternatives Citizens Financial Group Alternatives Credicorp Alternatives Banco Santander Brasil Alternatives Banco De Chile 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 8/15/2025 by MarketBeat.com Staff From Our PartnersTrump’s national nightmare is herePorter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...Porter & Company | SponsoredAlex’s “Next Magnificent Seven” stocksThe original “Magnificent Seven” turned $7K into $1.18 million. 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