Upstart (UPST) Competitors $57.25 -0.17 (-0.30%) As of 02:12 PM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSustainabilityTrendsBuy This Stock UPST vs. CFG, AFRM, BAP, BCH, SOFI, BSAC, ALLY, CIB, WF, and GGALShould you be buying Upstart stock or one of its competitors? The main competitors of Upstart include Citizens Financial Group (CFG), Affirm (AFRM), Credicorp (BAP), Banco de Chile (BCH), SoFi Technologies (SOFI), Banco Santander-Chile (BSAC), Ally Financial (ALLY), Bancolombia (CIB), Woori Financial Group (WF), and Grupo Financiero Galicia (GGAL). These companies are all part of the "banking" industry. Upstart vs. Citizens Financial Group Affirm Credicorp Banco de Chile SoFi Technologies Banco Santander-Chile Ally Financial Bancolombia Woori Financial Group Grupo Financiero Galicia Upstart (NASDAQ:UPST) and Citizens Financial Group (NYSE:CFG) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, valuation, institutional ownership, risk, media sentiment, community ranking, earnings, dividends and profitability. Do analysts rate UPST or CFG? Upstart currently has a consensus price target of $67.96, suggesting a potential upside of 18.94%. Citizens Financial Group has a consensus price target of $47.89, suggesting a potential upside of 14.02%. Given Upstart's higher probable upside, equities analysts plainly believe Upstart is more favorable than Citizens Financial Group.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Upstart 1 Sell rating(s) 7 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.31Citizens Financial Group 0 Sell rating(s) 6 Hold rating(s) 11 Buy rating(s) 1 Strong Buy rating(s) 2.72 Is UPST or CFG more profitable? Citizens Financial Group has a net margin of 12.21% compared to Upstart's net margin of -20.20%. Citizens Financial Group's return on equity of 6.75% beat Upstart's return on equity.Company Net Margins Return on Equity Return on Assets Upstart-20.20% -25.87% -7.95% Citizens Financial Group 12.21%6.75%0.68% Which has preferable valuation and earnings, UPST or CFG? Citizens Financial Group has higher revenue and earnings than Upstart. Upstart is trading at a lower price-to-earnings ratio than Citizens Financial Group, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioUpstart$714.41M7.61-$128.58M-$0.75-76.19Citizens Financial Group$7.77B2.36$1.51B$3.1513.33 Which has more volatility and risk, UPST or CFG? Upstart has a beta of 2.29, suggesting that its share price is 129% more volatile than the S&P 500. Comparatively, Citizens Financial Group has a beta of 0.75, suggesting that its share price is 25% less volatile than the S&P 500. Does the MarketBeat Community favor UPST or CFG? Citizens Financial Group received 487 more outperform votes than Upstart when rated by MarketBeat users. Likewise, 61.88% of users gave Citizens Financial Group an outperform vote while only 32.43% of users gave Upstart an outperform vote. CompanyUnderperformOutperformUpstartOutperform Votes6032.43% Underperform Votes12567.57% Citizens Financial GroupOutperform Votes54761.88% Underperform Votes33738.12% Do insiders & institutionals believe in UPST or CFG? 63.0% of Upstart shares are owned by institutional investors. Comparatively, 94.9% of Citizens Financial Group shares are owned by institutional investors. 16.7% of Upstart shares are owned by insiders. Comparatively, 0.7% of Citizens Financial Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth. Does the media favor UPST or CFG? In the previous week, Upstart had 1 more articles in the media than Citizens Financial Group. MarketBeat recorded 7 mentions for Upstart and 6 mentions for Citizens Financial Group. Citizens Financial Group's average media sentiment score of 1.75 beat Upstart's score of 0.70 indicating that Citizens Financial Group 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) 1 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Citizens Financial Group 6 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive SummaryCitizens Financial Group beats Upstart on 14 of the 19 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 {thisCompany.Symbol} 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 ExcelMetricUpstartNondepository credit institutions IndustryFinance SectorNASDAQ ExchangeMarket Cap$5.44B$8.03B$11.69B$8.64BDividend YieldN/A4.38%5.50%4.19%P/E Ratio-39.1421.6623.1120.18Price / Sales7.617.5526.97164.91Price / CashN/A42.1517.6234.64Price / Book8.453.122.864.73Net Income-$128.58M$517.73M$1.04B$248.08M7 Day Performance12.08%4.38%1.22%4.47%1 Month Performance21.26%10.79%2.67%10.83%1 Year Performance139.88%24.44%540.48%15.09% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart4.1558 of 5 stars$57.25-0.3%$67.96+18.7%+133.5%$5.43B$714.41M-39.091,880CFGCitizens Financial Group4.8434 of 5 stars$40.01-0.9%$47.89+19.7%+21.0%$17.49B$7.77B13.2018,900Positive NewsAFRMAffirm1.8515 of 5 stars$52.89+1.9%$64.70+22.3%+104.1%$17.06B$3.01B-81.382,550Analyst ForecastBAPCredicorp3.7511 of 5 stars$214.38+1.2%$211.00-1.6%+33.1%$17.05B$21.79B11.6637,000Positive NewsBCHBanco de Chile1.7298 of 5 stars$30.16-0.2%$23.00-23.7%+28.4%$15.23B$3.04T12.0212,300SOFISoFi Technologies1.7062 of 5 stars$13.68+2.8%$14.36+5.0%+101.7%$15.12B$2.80B36.964,200BSACBanco Santander-Chile2.6853 of 5 stars$24.59+1.9%$22.75-7.5%+29.5%$11.58B$2.74T12.679,990Positive NewsALLYAlly Financial4.962 of 5 stars$35.23+0.7%$41.69+18.3%-5.2%$10.82B$8.45B13.5511,600Positive NewsCIBBancolombia1.4671 of 5 stars$43.43+4.8%$39.00-10.2%+17.2%$10.44B$27.99T6.8933,100High Trading VolumeWFWoori Financial Group3.3913 of 5 stars$41.27-1.0%N/A+44.9%$10.21B$12.73T5.37150News CoveragePositive NewsGGALGrupo Financiero Galicia2.492 of 5 stars$56.65-2.4%$61.20+8.0%+70.6%$8.36B$6.59T8.3512,012 Related Companies and Tools Related Companies Citizens Financial Group Alternatives Affirm Alternatives Credicorp Alternatives Banco de Chile Alternatives SoFi Technologies Alternatives Banco Santander-Chile Alternatives Ally Financial Alternatives Bancolombia Alternatives Woori Financial Group Alternatives Grupo Financiero Galicia 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 6/10/2025 by MarketBeat.com Staff From Our PartnersTrump’s Exec Order #14154 could be a “Millionaire-Maker”Former Presidential Advisor, Jim Rickards, says Trump could “rewire our economy and hand millions of Americans...Paradigm Press | SponsoredGold is soaring. 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