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Upstart (UPST) Competitors

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$29.74 -2.53 (-7.84%)
Closing price 06/5/2026 04:00 PM Eastern
Extended Trading
$29.37 -0.37 (-1.24%)
As of 06/5/2026 07:58 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 Massive. Learn more.

UPST vs. AFRM, SOFI, FICO, LC, and LMND

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), LendingClub (LC), and Lemonade (LMND).

How does Upstart compare to Affirm?

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

69.3% of Affirm shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 11.0% of Affirm shares are held by insiders. Comparatively, 17.3% of Upstart shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Affirm currently has a consensus target price of $86.20, indicating a potential upside of 35.51%. Upstart has a consensus target price of $45.79, indicating a potential upside of 53.95%. Given Upstart's higher possible upside, analysts plainly believe Upstart is more favorable than Affirm.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affirm
0 Sell rating(s)
9 Hold rating(s)
19 Buy rating(s)
1 Strong Buy rating(s)
2.72
Upstart
3 Sell rating(s)
6 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.25

Affirm has a beta of 3.7, meaning that its stock price is 270% more volatile than the broader market. Comparatively, Upstart has a beta of 2.26, meaning that its stock price is 126% more volatile than the broader market.

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
Affirm9.63% 11.17% 3.14%
Upstart 4.34%5.63%1.49%

Upstart has lower revenue, but higher earnings 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
Affirm$3.24B6.57$52.19M$1.1057.83
Upstart$1.04B2.73$53.60M$0.3878.26

In the previous week, Upstart had 12 more articles in the media than Affirm. MarketBeat recorded 25 mentions for Upstart and 13 mentions for Affirm. Affirm's average media sentiment score of 1.01 beat Upstart's score of 0.08 indicating that Affirm is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
8 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Upstart
1 Very Positive mention(s)
0 Positive mention(s)
24 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Summary

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

How does Upstart compare to SoFi Technologies?

SoFi Technologies (NASDAQ:SOFI) 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 institutional ownership, risk, valuation, dividends, analyst recommendations, media sentiment, earnings and profitability.

SoFi Technologies presently has a consensus price target of $22.56, indicating a potential upside of 40.71%. Upstart has a consensus price target of $45.79, indicating a potential upside of 53.95%. Given Upstart's stronger consensus rating and higher probable upside, analysts clearly believe Upstart is more favorable than SoFi Technologies.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.19
Upstart
3 Sell rating(s)
6 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.25

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
SoFi Technologies14.65% 6.25% 1.21%
Upstart 4.34%5.63%1.49%

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
SoFi Technologies$3.61B5.69$481.32M$0.4436.43
Upstart$1.04B2.73$53.60M$0.3878.26

38.4% of SoFi Technologies shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 2.6% of SoFi Technologies shares are held by company insiders. Comparatively, 17.3% of Upstart shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

In the previous week, SoFi Technologies had 22 more articles in the media than Upstart. MarketBeat recorded 47 mentions for SoFi Technologies and 25 mentions for Upstart. SoFi Technologies' average media sentiment score of 0.79 beat Upstart's score of 0.08 indicating that SoFi Technologies is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
SoFi Technologies
25 Very Positive mention(s)
10 Positive mention(s)
4 Neutral mention(s)
6 Negative mention(s)
2 Very Negative mention(s)
Positive
Upstart
1 Very Positive mention(s)
0 Positive mention(s)
24 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

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

Summary

SoFi Technologies beats Upstart 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 business? We will compare the two businesses based on the strength of their valuation, analyst recommendations, institutional ownership, media sentiment, profitability, risk, earnings and dividends.

Upstart has a beta of 2.26, suggesting that its stock price is 126% more volatile than the broader market. Comparatively, Fair Isaac has a beta of 1.28, suggesting that its stock price is 28% more volatile than the broader market.

63.0% of Upstart shares are owned by institutional investors. Comparatively, 85.8% of Fair Isaac shares are owned by institutional investors. 17.3% of Upstart shares are owned by insiders. Comparatively, 3.0% of Fair Isaac shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

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$1.04B2.73$53.60M$0.3878.26
Fair Isaac$1.99B13.29$651.95M$31.5736.14

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 presently has a consensus target price of $45.79, indicating a potential upside of 53.95%. Fair Isaac has a consensus target price of $1,619.36, indicating a potential upside of 41.94%. Given Upstart's higher probable upside, research analysts clearly 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)
6 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.25
Fair Isaac
0 Sell rating(s)
5 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.67

In the previous week, Upstart had 8 more articles in the media than Fair Isaac. MarketBeat recorded 25 mentions for Upstart and 17 mentions for Fair Isaac. Fair Isaac's average media sentiment score of 0.84 beat Upstart's score of 0.08 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)
0 Positive mention(s)
24 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Fair Isaac
9 Very Positive mention(s)
1 Positive mention(s)
5 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Fair Isaac beats Upstart on 10 of the 16 factors compared between the two stocks.

How does Upstart compare to LendingClub?

Upstart (NASDAQ:UPST) and LendingClub (NYSE:LC) are both mid-cap banking companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, risk, valuation, profitability, dividends, earnings and media sentiment.

In the previous week, Upstart had 11 more articles in the media than LendingClub. MarketBeat recorded 25 mentions for Upstart and 14 mentions for LendingClub. LendingClub's average media sentiment score of 0.22 beat Upstart's score of 0.08 indicating that LendingClub 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)
0 Positive mention(s)
24 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
LendingClub
2 Very Positive mention(s)
0 Positive mention(s)
10 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

Upstart has a beta of 2.26, suggesting that its share price is 126% more volatile than the broader market. Comparatively, LendingClub has a beta of 1.98, suggesting that its share price is 98% more volatile than the broader market.

63.0% of Upstart shares are owned by institutional investors. Comparatively, 74.1% of LendingClub shares are owned by institutional investors. 17.3% of Upstart shares are owned by company insiders. Comparatively, 3.2% of LendingClub shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

LendingClub has lower revenue, but higher earnings than Upstart. LendingClub 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$1.04B2.73$53.60M$0.3878.26
LendingClub$998.85M1.98$135.68M$1.4911.53

LendingClub has a net margin of 16.99% compared to Upstart's net margin of 4.34%. LendingClub's return on equity of 11.92% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.34% 5.63% 1.49%
LendingClub 16.99%11.92%1.55%

Upstart currently has a consensus price target of $45.79, indicating a potential upside of 53.95%. LendingClub has a consensus price target of $23.07, indicating a potential upside of 34.34%. Given Upstart's higher possible upside, analysts clearly believe Upstart is more favorable than LendingClub.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
3 Sell rating(s)
6 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.25
LendingClub
0 Sell rating(s)
3 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.80

Summary

LendingClub beats Upstart on 9 of the 17 factors compared between the two stocks.

How does Upstart compare to Lemonade?

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

In the previous week, Upstart had 13 more articles in the media than Lemonade. MarketBeat recorded 25 mentions for Upstart and 12 mentions for Lemonade. Upstart's average media sentiment score of 0.08 beat Lemonade's score of -0.28 indicating that Upstart is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Lemonade
2 Very Positive mention(s)
1 Positive mention(s)
4 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Neutral
Upstart
1 Very Positive mention(s)
0 Positive mention(s)
24 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Lemonade has a beta of 1.83, indicating that its stock price is 83% more volatile than the broader market. Comparatively, Upstart has a beta of 2.26, indicating that its stock price is 126% more volatile than the broader market.

80.3% of Lemonade shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 14.7% of Lemonade shares are held by company insiders. Comparatively, 17.3% of Upstart shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

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
Lemonade$737.90M5.36-$165.50M-$1.87N/A
Upstart$1.04B2.73$53.60M$0.3878.26

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
Lemonade-16.44% -26.52% -7.18%
Upstart 4.34%5.63%1.49%

Lemonade currently has a consensus target price of $64.89, indicating a potential upside of 26.10%. Upstart has a consensus target price of $45.79, indicating a potential upside of 53.95%. Given Upstart's stronger consensus rating and higher probable upside, analysts clearly believe Upstart is more favorable than Lemonade.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lemonade
3 Sell rating(s)
1 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.22
Upstart
3 Sell rating(s)
6 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.25

Summary

Upstart beats Lemonade on 14 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$3.09B$6.96B$13.60B$12.42B
Dividend YieldN/A5.81%5.78%5.34%
P/E Ratio78.2617.6119.9223.63
Price / Sales2.7311.65134.73137.68
Price / Cash40.0360.0319.5457.17
Price / Book3.623.282.186.35
Net Income$53.60M$306.51M$1.13B$337.59M
7 Day Performance-11.99%-3.76%-0.30%-2.51%
1 Month Performance3.62%-6.89%-0.88%-0.69%
1 Year Performance-45.26%6.71%10.51%25.37%

Upstart Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UPST
Upstart
4.8146 of 5 stars
$29.74
-7.8%
$45.79
+54.0%
-42.1%$3.09B$1.04B78.261,405
AFRM
Affirm
4.6715 of 5 stars
$70.44
+1.7%
$86.00
+22.1%
+14.2%$23.59B$3.97B64.042,206
SOFI
SoFi Technologies
4.286 of 5 stars
$16.17
+1.2%
$22.56
+39.5%
+17.3%$20.74B$3.94B36.756,100
FICO
Fair Isaac
4.6064 of 5 stars
$1,278.86
+1.5%
$1,619.36
+26.6%
-35.5%$29.66B$2.26B40.513,811
LC
LendingClub
4.0183 of 5 stars
$16.74
+3.6%
$23.07
+37.9%
+68.8%$1.93B$998.85M11.231,075

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This page (NASDAQ:UPST) was last updated on 6/6/2026 by MarketBeat.com Staff.
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