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Upstart (UPST) Competitors

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$30.20 -0.12 (-0.40%)
Closing price 08/5/2026 04:00 PM Eastern
Extended Trading
$29.90 -0.30 (-0.99%)
As of 09:06 AM Eastern
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UPST vs. AFRM, SOFI, FICO, LMND, and BMNR

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 BitMine Immersion Technologies (BMNR).

How does Upstart compare to Affirm?

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

In the previous week, Upstart had 11 more articles in the media than Affirm. MarketBeat recorded 18 mentions for Upstart and 7 mentions for Affirm. Affirm's average media sentiment score of 1.19 beat Upstart's score of 0.59 indicating that Affirm is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Upstart
7 Very Positive mention(s)
1 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Affirm
6 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Upstart currently has a consensus target price of $44.40, suggesting a potential upside of 47.02%. Affirm has a consensus target price of $92.74, suggesting a potential upside of 18.19%. Given Upstart's higher probable upside, equities analysts clearly believe Upstart is more favorable than Affirm.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
2 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.38
Affirm
0 Sell rating(s)
7 Hold rating(s)
21 Buy rating(s)
3 Strong Buy rating(s)
2.87

Upstart has a beta of 2.29, indicating that its share price is 129% more volatile than the broader market. Comparatively, Affirm has a beta of 3.71, indicating that its share price is 271% more volatile than the broader market.

Upstart has higher earnings, but lower revenue than Affirm. 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 Ratio
Upstart$1.23B2.36$53.60M$0.4961.63
Affirm$3.97B6.62$52.19M$1.1071.34

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

Affirm has a net margin of 9.63% compared to Upstart's net margin of 4.84%. Affirm's return on equity of 11.17% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.84% 7.22% 1.86%
Affirm 9.63%11.17%3.14%

Summary

Affirm beats Upstart on 13 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 investment? We will contrast the two companies based on the strength of their risk, analyst recommendations, dividends, valuation, profitability, earnings, institutional ownership and media sentiment.

In the previous week, SoFi Technologies had 47 more articles in the media than Upstart. MarketBeat recorded 65 mentions for SoFi Technologies and 18 mentions for Upstart. SoFi Technologies' average media sentiment score of 0.68 beat Upstart's score of 0.59 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
34 Very Positive mention(s)
9 Positive mention(s)
12 Neutral mention(s)
6 Negative mention(s)
1 Very Negative mention(s)
Positive
Upstart
7 Very Positive mention(s)
1 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

38.4% of SoFi Technologies shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 2.5% of SoFi Technologies shares are owned by insiders. Comparatively, 17.3% of Upstart shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

SoFi Technologies has a beta of 2.17, suggesting that its stock price is 117% more volatile than the broader market. Comparatively, Upstart has a beta of 2.29, suggesting that its stock price is 129% more volatile than the broader market.

SoFi Technologies currently has a consensus price target of $22.38, indicating a potential upside of 22.64%. Upstart has a consensus price target of $44.40, indicating a potential upside of 47.02%. 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)
10 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.20
Upstart
2 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.38

SoFi Technologies has a net margin of 14.78% compared to Upstart's net margin of 4.84%. Upstart's return on equity of 7.22% beat SoFi Technologies' return on equity.

Company Net Margins Return on Equity Return on Assets
SoFi Technologies14.78% 6.39% 1.28%
Upstart 4.84%7.22%1.86%

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$3.61B6.48$481.32M$0.4838.02
Upstart$1.23B2.36$53.60M$0.4961.63

Summary

Upstart beats SoFi Technologies on 10 of the 16 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 companies based on the strength of their earnings, analyst recommendations, institutional ownership, media sentiment, dividends, profitability, valuation and risk.

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$1.23B2.36$53.60M$0.4961.63
Fair Isaac$1.99B11.86$651.95M$34.6231.57

Fair Isaac has a net margin of 34.05% compared to Upstart's net margin of 4.84%. Upstart's return on equity of 7.22% beat Fair Isaac's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.84% 7.22% 1.86%
Fair Isaac 34.05%-32.51%40.61%

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 hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Upstart has a beta of 2.29, suggesting that its stock price is 129% more volatile than the broader market. Comparatively, Fair Isaac has a beta of 1.3, suggesting that its stock price is 30% more volatile than the broader market.

In the previous week, Fair Isaac had 13 more articles in the media than Upstart. MarketBeat recorded 31 mentions for Fair Isaac and 18 mentions for Upstart. Fair Isaac's average media sentiment score of 0.93 beat Upstart's score of 0.59 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
7 Very Positive mention(s)
1 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Fair Isaac
18 Very Positive mention(s)
3 Positive mention(s)
8 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Upstart currently has a consensus target price of $44.40, indicating a potential upside of 47.02%. Fair Isaac has a consensus target price of $1,599.14, indicating a potential upside of 46.32%. Given Upstart's higher possible 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
2 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.38
Fair Isaac
0 Sell rating(s)
5 Hold rating(s)
11 Buy rating(s)
0 Strong Buy rating(s)
2.69

Summary

Fair Isaac beats Upstart on 11 of the 16 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 better investment? We will contrast the two businesses based on the strength of their valuation, dividends, earnings, media sentiment, risk, institutional ownership, profitability and analyst recommendations.

Lemonade currently has a consensus price target of $64.11, indicating a potential upside of 23.19%. Upstart has a consensus price target of $44.40, indicating a potential upside of 47.02%. Given Upstart's stronger consensus rating and higher possible upside, analysts clearly believe Upstart is more favorable than Lemonade.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lemonade
2 Sell rating(s)
4 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.20
Upstart
2 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.38

Lemonade has a beta of 1.84, suggesting that its stock price is 84% more volatile than the broader market. Comparatively, Upstart has a beta of 2.29, suggesting that its stock price is 129% more volatile than the broader market.

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$975M4.10-$165.50M-$1.83N/A
Upstart$1.23B2.36$53.60M$0.4961.63

Upstart has a net margin of 4.84% compared to Lemonade's net margin of -14.19%. Upstart's return on equity of 7.22% beat Lemonade's return on equity.

Company Net Margins Return on Equity Return on Assets
Lemonade-14.19% -26.48% -7.16%
Upstart 4.84%7.22%1.86%

In the previous week, Upstart had 7 more articles in the media than Lemonade. MarketBeat recorded 18 mentions for Upstart and 11 mentions for Lemonade. Upstart's average media sentiment score of 0.59 beat Lemonade's score of 0.39 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)
2 Positive mention(s)
4 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Neutral
Upstart
7 Very Positive mention(s)
1 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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

Summary

Upstart beats Lemonade on 14 of the 16 factors compared between the two stocks.

How does Upstart compare to BitMine Immersion Technologies?

Upstart (NASDAQ:UPST) and BitMine Immersion Technologies (NYSE:BMNR) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, valuation, risk, profitability, media sentiment, analyst recommendations, earnings and institutional ownership.

Upstart currently has a consensus target price of $44.40, suggesting a potential upside of 47.02%. BitMine Immersion Technologies has a consensus target price of $27.65, suggesting a potential upside of 49.87%. Given BitMine Immersion Technologies' stronger consensus rating and higher probable upside, analysts clearly believe BitMine Immersion Technologies is more favorable than Upstart.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
2 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.38
BitMine Immersion Technologies
1 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.50

Upstart has a beta of 2.29, indicating that its stock price is 129% more volatile than the broader market. Comparatively, BitMine Immersion Technologies has a beta of 1.3, indicating that its stock price is 30% more volatile than the broader market.

63.0% of Upstart shares are owned by institutional investors. 17.3% of Upstart shares are owned by company insiders. Comparatively, 0.2% of BitMine Immersion Technologies shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

BitMine Immersion Technologies has lower revenue, but higher earnings than Upstart. Upstart is trading at a lower price-to-earnings ratio than BitMine Immersion Technologies, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Upstart$1.23B2.36$53.60M$0.4961.63
BitMine Immersion Technologies$6.09M1,827.42$348.58M$0.05368.98

Upstart has a net margin of 4.84% compared to BitMine Immersion Technologies' net margin of -14,306.56%. Upstart's return on equity of 7.22% beat BitMine Immersion Technologies' return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.84% 7.22% 1.86%
BitMine Immersion Technologies -14,306.56%3.35%3.32%

In the previous week, Upstart had 8 more articles in the media than BitMine Immersion Technologies. MarketBeat recorded 18 mentions for Upstart and 10 mentions for BitMine Immersion Technologies. Upstart's average media sentiment score of 0.59 beat BitMine Immersion Technologies' score of 0.56 indicating that Upstart is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Upstart
7 Very Positive mention(s)
1 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
BitMine Immersion Technologies
3 Very Positive mention(s)
4 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Upstart beats BitMine Immersion Technologies on 10 of the 17 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

MetricUpstartConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$2.89B$7.56B$14.15B$12.99B
Dividend YieldN/A12.18%5.91%9.78%
P/E Ratio61.639.4029.1925.25
Price / Sales2.3637.59514.1676.37
Price / Cash37.6112.0339.3250.79
Price / Book3.682.723.736.09
Net Income$53.60M$434.78M$1.31B$347.95M
7 Day Performance11.69%2.31%1.16%3.08%
1 Month Performance-12.03%0.45%0.52%-3.01%
1 Year Performance-55.38%15.24%13.24%20.49%

Upstart Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UPST
Upstart
4.8395 of 5 stars
$30.20
-0.4%
$44.40
+47.0%
-63.4%$2.89B$1.23B61.631,405
AFRM
Affirm
4.292 of 5 stars
$70.16
-3.1%
$92.74
+32.2%
+4.8%$24.25B$3.24B65.822,206
SOFI
SoFi Technologies
4.4921 of 5 stars
$15.25
-8.9%
$22.83
+49.7%
-15.3%$21.47B$3.61B38.046,100
FICO
Fair Isaac
4.8908 of 5 stars
$1,374.32
+2.9%
$1,627.93
+18.5%
-18.6%$30.99B$1.99B43.533,811
LMND
Lemonade
3.6187 of 5 stars
$47.19
-24.0%
$66.78
+41.5%
+7.9%$4.77B$737.90MN/A1,282

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This page (NASDAQ:UPST) was last updated on 8/6/2026 by MarketBeat.com Staff.
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