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Upstart (UPST) Competitors

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$83.53 +0.83 (+1.00%)
Closing price 07/25/2025 04:00 PM Eastern
Extended Trading
$83.62 +0.09 (+0.11%)
As of 07/25/2025 07:59 PM Eastern
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UPST vs. AFRM, SOFI, FICO, LC, LMND, SYF, BBDO, IX, SHG, and CFG

Should 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

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.

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.

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%

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)
2.29
Affirm
0 Sell rating(s)
8 Hold rating(s)
18 Buy rating(s)
1 Strong Buy rating(s)
2.74

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

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 Ratio
Upstart$636.53M12.48-$128.58M-$0.75-111.37
Affirm$2.32B9.32-$517.76M-$0.21-319.48

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.

Summary

Affirm beats Upstart on 11 of the 16 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.
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Media Sentiment Over Time

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.
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UPST vs. The Competition

MetricUpstartFIN IndustryFinance SectorNASDAQ Exchange
Market Cap$7.87B$7.95B$12.28B$9.50B
Dividend YieldN/A4.71%5.54%4.01%
P/E Ratio-111.3718.8119.0320.05
Price / Sales12.485.4126.1089.19
Price / CashN/A21.4421.6358.56
Price / Book12.042.792.205.87
Net Income-$128.58M$311.63M$997.25M$258.55M
7 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

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UPST
Upstart
3.6546 of 5 stars
$83.53
+1.0%
$71.62
-14.3%
+224.3%$7.87B$636.53M-111.371,193
AFRM
Affirm
2.3505 of 5 stars
$66.75
-3.1%
$67.32
+0.8%
+153.6%$21.53B$2.32B-317.882,006Analyst Forecast
SOFI
SoFi Technologies
1.9103 of 5 stars
$21.16
-3.0%
$16.78
-20.7%
+191.6%$23.39B$2.67B51.615,000Upcoming Earnings
FICO
Fair Isaac
4.9435 of 5 stars
$1,534.93
-0.4%
$2,218.64
+44.5%
-2.9%$37.36B$1.72B66.103,586Positive News
Upcoming Earnings
LC
LendingClub
4.735 of 5 stars
$12.82
-1.7%
$16.71
+30.4%
+18.9%$1.46B$787.01M29.131,002Upcoming Earnings
LMND
Lemonade
1.823 of 5 stars
$40.15
-4.7%
$30.50
-24.0%
+76.2%$2.94B$526.50M-13.211,235Analyst Downgrade
SYF
Synchrony Financial
4.9609 of 5 stars
$69.44
-0.9%
$73.22
+5.4%
+44.7%$25.84B$22.65B9.5320,000Trending News
Earnings Report
Dividend Announcement
Analyst Forecast
Analyst Revision
BBDO
Banco Bradesco
1.5957 of 5 stars
$2.43
-0.2%
N/A+19.6%$25.81B$37.55B7.5888,400Positive News
Upcoming Earnings
High Trading Volume
IX
Orix Corp Ads
3.9255 of 5 stars
$22.59
+1.1%
N/A+0.6%$25.75B$18.88B11.1933,982Positive News
SHG
Shinhan Financial Group
4.7794 of 5 stars
$49.77
+1.0%
N/A+31.1%$24.68B$24.56B6.48190News Coverage
Gap Up
CFG
Citizens Financial Group
4.4815 of 5 stars
$48.58
0.0%
$51.05
+5.1%
+14.4%$21.23B$12.36B14.7617,287Dividend Announcement

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This page (NASDAQ:UPST) was last updated on 7/26/2025 by MarketBeat.com Staff
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