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Upstart (UPST) Competitors

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$30.88 -0.71 (-2.25%)
Closing price 07/16/2026 04:00 PM Eastern
Extended Trading
$30.28 -0.60 (-1.95%)
As of 07:24 AM Eastern
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UPST vs. AFRM, SOFI, FICO, LMND, and HUT

Should you buy Upstart stock or one of its competitors? MarketBeat compares Upstart with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Upstart include Affirm (AFRM), SoFi Technologies (SOFI), Fair Isaac (FICO), Lemonade (LMND), and Hut 8 (HUT).

How does Upstart compare to Affirm?

Upstart (NASDAQ:UPST) and Affirm (NASDAQ:AFRM) are both banking companies, but which is the better business? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, risk, media sentiment, profitability, valuation, dividends and earnings.

Upstart has a beta of 2.26, suggesting that its stock price is 126% more volatile than the broader market. Comparatively, Affirm has a beta of 3.67, suggesting that its stock price is 267% more volatile than the broader market.

63.0% of Upstart shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 17.3% of Upstart shares are owned by insiders. Comparatively, 11.0% 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.

Upstart presently has a consensus target price of $45.20, indicating a potential upside of 46.37%. Affirm has a consensus target price of $90.81, indicating a potential upside of 13.74%. Given Upstart's higher probable upside, analysts plainly believe Upstart is more favorable than Affirm.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
3 Sell rating(s)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24
Affirm
0 Sell rating(s)
8 Hold rating(s)
21 Buy rating(s)
1 Strong Buy rating(s)
2.77

In the previous week, Affirm had 8 more articles in the media than Upstart. MarketBeat recorded 11 mentions for Affirm and 3 mentions for Upstart. Upstart's average media sentiment score of 1.37 beat Affirm's score of 0.85 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)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Affirm
2 Very Positive mention(s)
4 Positive mention(s)
3 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$1.04B2.83$53.60M$0.3881.26
Affirm$3.24B8.24$52.19M$1.1072.58

Affirm has a net margin of 9.63% compared to Upstart's net margin of 4.34%. Affirm's return on equity of 11.17% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.34% 5.63% 1.49%
Affirm 9.63%11.17%3.14%

Summary

Affirm beats Upstart on 12 of the 17 factors compared between the two stocks.

How does Upstart compare to SoFi Technologies?

Upstart (NASDAQ:UPST) and SoFi Technologies (NASDAQ:SOFI) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, earnings, media sentiment, valuation, profitability, dividends, risk and analyst recommendations.

In the previous week, SoFi Technologies had 24 more articles in the media than Upstart. MarketBeat recorded 27 mentions for SoFi Technologies and 3 mentions for Upstart. Upstart's average media sentiment score of 1.37 beat SoFi Technologies' score of 0.83 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)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
SoFi Technologies
12 Very Positive mention(s)
9 Positive mention(s)
4 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

SoFi Technologies has higher revenue and earnings than Upstart. SoFi Technologies 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$1.04B2.83$53.60M$0.3881.26
SoFi Technologies$3.61B6.15$481.32M$0.4439.36

SoFi Technologies has a net margin of 14.65% compared to Upstart's net margin of 4.34%. SoFi Technologies' return on equity of 6.25% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.34% 5.63% 1.49%
SoFi Technologies 14.65%6.25%1.21%

Upstart has a beta of 2.26, meaning that its share price is 126% more volatile than the broader market. Comparatively, SoFi Technologies has a beta of 2.14, meaning that its share price is 114% more volatile than the broader market.

63.0% of Upstart shares are held by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are held by institutional investors. 17.3% of Upstart shares are held by company insiders. Comparatively, 2.5% of SoFi Technologies shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Upstart currently has a consensus price target of $45.20, indicating a potential upside of 46.37%. SoFi Technologies has a consensus price target of $22.78, indicating a potential upside of 31.51%. Given Upstart's stronger consensus rating and higher possible upside, analysts plainly believe Upstart is more favorable than SoFi Technologies.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
3 Sell rating(s)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.19

Summary

Upstart beats SoFi Technologies on 8 of the 15 factors compared between the two stocks.

How does Upstart compare to Fair Isaac?

Upstart (NASDAQ:UPST) and Fair Isaac (NYSE:FICO) are related companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, institutional ownership, media sentiment, profitability and earnings.

In the previous week, Fair Isaac had 10 more articles in the media than Upstart. MarketBeat recorded 13 mentions for Fair Isaac and 3 mentions for Upstart. Fair Isaac's average media sentiment score of 1.44 beat Upstart's score of 1.37 indicating that Fair Isaac is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Upstart
1 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Fair Isaac
10 Very Positive mention(s)
2 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Fair Isaac has higher revenue and earnings than Upstart. Fair Isaac 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$1.04B2.83$53.60M$0.3881.26
Fair Isaac$1.99B14.46$651.95M$31.5739.31

Fair Isaac has a net margin of 33.67% compared to Upstart's net margin of 4.34%. Upstart's return on equity of 5.63% beat Fair Isaac's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.34% 5.63% 1.49%
Fair Isaac 33.67%-41.04%37.92%

Upstart has a beta of 2.26, suggesting that its share price is 126% more volatile than the broader market. Comparatively, Fair Isaac has a beta of 1.29, suggesting that its share price is 29% more volatile than the broader market.

63.0% of Upstart shares are held by institutional investors. Comparatively, 85.8% of Fair Isaac shares are held by institutional investors. 17.3% of Upstart shares are held by insiders. Comparatively, 3.0% of Fair Isaac shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Upstart currently has a consensus price target of $45.20, indicating a potential upside of 46.37%. Fair Isaac has a consensus price target of $1,627.93, indicating a potential upside of 31.17%. Given Upstart's higher probable upside, equities analysts plainly believe Upstart is more favorable than Fair Isaac.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
3 Sell rating(s)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24
Fair Isaac
0 Sell rating(s)
5 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.67

Summary

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

How does Upstart compare to Lemonade?

Upstart (NASDAQ:UPST) and Lemonade (NYSE:LMND) are both mid-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, risk, media sentiment, profitability, dividends, valuation, institutional ownership and earnings.

Upstart has a net margin of 4.34% compared to Lemonade's net margin of -16.44%. Upstart's return on equity of 5.63% beat Lemonade's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.34% 5.63% 1.49%
Lemonade -16.44%-26.52%-7.18%

Upstart has a beta of 2.26, indicating that its share price is 126% more volatile than the broader market. Comparatively, Lemonade has a beta of 1.79, indicating that its share price is 79% more volatile than the broader market.

Upstart currently has a consensus target price of $45.20, suggesting a potential upside of 46.37%. Lemonade has a consensus target price of $66.78, suggesting a potential upside of 3.50%. Given Upstart's stronger consensus rating and higher possible upside, analysts plainly believe Upstart is more favorable than Lemonade.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
3 Sell rating(s)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24
Lemonade
3 Sell rating(s)
3 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.10

Upstart has higher revenue and earnings than Lemonade. Lemonade 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$1.04B2.83$53.60M$0.3881.26
Lemonade$737.90M6.72-$165.50M-$1.87N/A

In the previous week, Lemonade had 4 more articles in the media than Upstart. MarketBeat recorded 7 mentions for Lemonade and 3 mentions for Upstart. Upstart's average media sentiment score of 1.37 beat Lemonade's score of 0.60 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)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Lemonade
1 Very Positive mention(s)
0 Positive mention(s)
5 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

63.0% of Upstart shares are owned by institutional investors. Comparatively, 80.3% of Lemonade shares are owned by institutional investors. 17.3% of Upstart shares are owned by company insiders. Comparatively, 12.2% of Lemonade shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Upstart beats Lemonade on 13 of the 16 factors compared between the two stocks.

How does Upstart compare to Hut 8?

Hut 8 (NASDAQ:HUT) and Upstart (NASDAQ:UPST) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, profitability, earnings, institutional ownership, analyst recommendations, valuation, dividends and media sentiment.

Upstart has a net margin of 4.34% compared to Hut 8's net margin of -109.77%. Upstart's return on equity of 5.63% beat Hut 8's return on equity.

Company Net Margins Return on Equity Return on Assets
Hut 8-109.77% -0.35% -0.22%
Upstart 4.34%5.63%1.49%

Hut 8 has a beta of 4.62, suggesting that its stock price is 362% more volatile than the broader market. Comparatively, Upstart has a beta of 2.26, suggesting that its stock price is 126% more volatile than the broader market.

Hut 8 presently has a consensus price target of $120.37, indicating a potential upside of 30.96%. Upstart has a consensus price target of $45.20, indicating a potential upside of 46.37%. Given Upstart's higher probable upside, analysts plainly believe Upstart is more favorable than Hut 8.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hut 8
1 Sell rating(s)
0 Hold rating(s)
17 Buy rating(s)
0 Strong Buy rating(s)
2.89
Upstart
3 Sell rating(s)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24

Upstart has higher revenue and earnings than Hut 8. Hut 8 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
Hut 8$235.12M44.01-$226.15M-$3.00N/A
Upstart$1.04B2.83$53.60M$0.3881.26

In the previous week, Hut 8 had 5 more articles in the media than Upstart. MarketBeat recorded 8 mentions for Hut 8 and 3 mentions for Upstart. Upstart's average media sentiment score of 1.37 beat Hut 8's score of 1.26 indicating that Upstart is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Hut 8
5 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Upstart
1 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

31.8% of Hut 8 shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 10.4% of Hut 8 shares are owned by company insiders. Comparatively, 17.3% of Upstart shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

Upstart beats Hut 8 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$3.02B$7.37B$14.42B$12.67B
Dividend YieldN/A4.96%5.68%8.87%
P/E Ratio81.2617.5520.7724.05
Price / Sales2.8311.3644.39112.08
Price / Cash39.1850.6419.4459.89
Price / Book3.763.252.286.23
Net Income$53.60M$305.95M$1.14B$331.94M
7 Day Performance-5.68%-0.99%0.77%-1.65%
1 Month Performance1.38%-3.62%2.51%-1.03%
1 Year Performance-60.20%-5.60%14.01%17.10%

Upstart Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UPST
Upstart
4.8485 of 5 stars
$30.88
-2.2%
$45.20
+46.4%
-59.9%$3.02B$1.04B81.261,405
AFRM
Affirm
3.6252 of 5 stars
$81.28
-2.8%
$88.88
+9.4%
+18.8%$28.00B$3.24B76.022,206
SOFI
SoFi Technologies
4.5233 of 5 stars
$17.73
-0.1%
$22.56
+27.2%
-19.0%$22.77B$3.61B40.346,100
FICO
Fair Isaac
4.6052 of 5 stars
$1,268.05
-2.5%
$1,627.93
+28.4%
-19.1%$30.15B$1.99B40.173,811
LMND
Lemonade
1.542 of 5 stars
$70.90
-8.6%
$65.33
-7.8%
+61.4%$5.96B$737.90MN/A1,282

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This page (NASDAQ:UPST) was last updated on 7/17/2026 by MarketBeat.com Staff.
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