Upstart (UPST) Competitors $66.90 +1.03 (+1.56%) Closing price 09/5/2025 04:00 PM EasternExtended Trading$66.58 -0.33 (-0.49%) As of 09/5/2025 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, 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 better stock? We will contrast the two businesses based on the strength of their earnings, valuation, risk, dividends, institutional ownership, media sentiment, profitability and analyst recommendations. Does the media prefer UPST or AFRM? In the previous week, Affirm had 14 more articles in the media than Upstart. MarketBeat recorded 20 mentions for Affirm and 6 mentions for Upstart. Affirm's average media sentiment score of 0.18 beat Upstart's score of -0.50 indicating that Affirm is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Upstart 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Negative Affirm 5 Very Positive mention(s) 1 Positive mention(s) 4 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Neutral Which has better earnings & 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$636.53M10.11-$128.58M-$0.08-836.25Affirm$3.24B8.69$52.19M$0.13671.92 Do institutionals & insiders hold more shares of UPST or AFRM? 63.0% of Upstart shares are held by institutional investors. Comparatively, 69.3% of Affirm shares are held by institutional investors. 16.7% of Upstart shares are held by insiders. Comparatively, 11.8% of Affirm shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth. Do analysts rate UPST or AFRM? Upstart presently has a consensus target price of $78.54, suggesting a potential upside of 17.40%. Affirm has a consensus target price of $79.04, suggesting a potential downside of 9.51%. Given Upstart's higher possible upside, equities research 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% Which has more risk and volatility, UPST or AFRM? Upstart has a beta of 2.37, indicating that its stock price is 137% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.64, indicating that its stock price is 264% more volatile than the S&P 500. SummaryAffirm beats Upstart on 14 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$6.34B$7.80B$12.58B$9.91BDividend YieldN/A4.65%5.42%4.52%P/E Ratio-836.2517.12232.2926.08Price / Sales10.116.3530.8588.30Price / CashN/A24.9122.1259.01Price / Book9.642.902.296.09Net Income-$128.58M$313.53M$1.01B$266.14M7 Day Performance-8.71%-1.68%0.40%0.35%1 Month Performance-1.15%1.48%3.73%4.42%1 Year Performance94.48%33.53%540.93%26.17% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart3.7599 of 5 stars$66.90+1.6%$78.54+17.4%+87.3%$6.34B$636.53M-836.251,193Insider TradeOptions VolumeGap UpAFRMAffirm1.8898 of 5 stars$88.46+10.6%$77.35-12.6%+120.4%$28.54B$3.22B680.512,206Analyst ForecastInsider TradeHigh Trading VolumeSOFISoFi Technologies2.5687 of 5 stars$25.54-1.9%$19.35-24.2%+252.6%$30.58B$2.67B53.215,000Trending NewsFICOFair Isaac4.9574 of 5 stars$1,523.06+1.1%$2,134.57+40.2%-12.7%$36.55B$1.72B59.563,586News CoveragePositive NewsInsider TradeLCLendingClub4.6856 of 5 stars$17.19-0.3%$16.57-3.6%+46.3%$1.97B$787.01M26.861,002News CoveragePositive NewsInsider TradeLMNDLemonade3.1229 of 5 stars$52.91-0.8%$40.43-23.6%+165.9%$3.91B$600.70M-18.701,370Insider TradeSHGShinhan Financial Group4.1904 of 5 stars$47.21-1.7%N/A+10.3%$22.92B$24.56B4.73190Positive NewsCFGCitizens Financial Group4.3711 of 5 stars$52.30+0.3%$51.53-1.5%+24.3%$22.56B$12.36B15.9017,287Positive NewsShort Interest ↓BAPCredicorp4.2692 of 5 stars$256.65+0.2%$236.80-7.7%+51.7%$20.41B$22.59B13.9638,000Positive NewsAnalyst DowngradeBSBRBanco Santander Brasil3.3745 of 5 stars$5.29+0.3%$5.35+1.2%-4.2%$19.67B$25.44B6.5255,646Positive NewsGap UpBCHBanco De Chile2.5112 of 5 stars$28.73+0.9%$23.00-19.9%+21.7%$14.51B$4.21B10.2211,614News CoveragePositive NewsAnalyst Downgrade 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 9/6/2025 by MarketBeat.com Staff From Our Partners6-Figure Target for BTC by 2025Crypto ETF records broken – here's what’s next The biggest names in finance have built the infrastructure f...Crypto 101 Media | SponsoredYour Bank Account Is No Longer SafeWhat If Washington Declared That: YOUR Money ISN'T Actually Yours? 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