Upstart (UPST) Competitors

$29.51 -0.20 (-0.67%)

Closing price 05/15/2026 04:00 PM Eastern

Extended Trading

$29.42 -0.09 (-0.29%)

As of 05/15/2026 07:59 PM Eastern

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 contrast the two businesses based on the strength of their institutional ownership, earnings, risk, profitability, valuation, analyst recommendations, media sentiment and dividends.

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Affirm	$3.24B	6.79	$52.19M	$1.10	59.84
Upstart	$1.04B	2.71	$53.60M	$0.38	77.66

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
Affirm	9.63%	11.17%	3.14%
Upstart	4.34%	5.63%	1.49%

In the previous week, Affirm had 10 more articles in the media than Upstart. MarketBeat recorded 38 mentions for Affirm and 28 mentions for Upstart. Affirm's average media sentiment score of 0.82 beat Upstart's score of 0.28 indicating that Affirm is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Affirm	19 Very Positive mention(s)	4 Positive mention(s)	6 Neutral mention(s)	4 Negative mention(s)	0 Very Negative mention(s)	Positive
Upstart	4 Very Positive mention(s)	0 Positive mention(s)	20 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral

69.3% of Affirm shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 11.0% of Affirm shares are owned by insiders. Comparatively, 16.7% of Upstart 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.

Affirm has a beta of 3.72, suggesting that its stock price is 272% 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.

Affirm currently has a consensus price target of $86.00, indicating a potential upside of 30.66%. Upstart has a consensus price target of $45.79, indicating a potential upside of 55.15%. 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
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

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

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SoFi Technologies	$3.61B	5.54	$481.32M	$0.44	35.48
Upstart	$1.04B	2.71	$53.60M	$0.38	77.66

SoFi Technologies has a beta of 2.12, meaning that its stock price is 112% 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.

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, 16.7% of Upstart shares are held 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.

In the previous week, SoFi Technologies had 7 more articles in the media than Upstart. MarketBeat recorded 35 mentions for SoFi Technologies and 28 mentions for Upstart. SoFi Technologies' average media sentiment score of 0.51 beat Upstart's score of 0.28 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	13 Very Positive mention(s)	4 Positive mention(s)	9 Neutral mention(s)	5 Negative mention(s)	1 Very Negative mention(s)	Positive
Upstart	4 Very Positive mention(s)	0 Positive mention(s)	20 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral

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 Technologies	14.65%	6.25%	1.21%
Upstart	4.34%	5.63%	1.49%

SoFi Technologies currently has a consensus target price of $22.56, suggesting a potential upside of 44.49%. Upstart has a consensus target price of $45.79, suggesting a potential upside of 55.15%. Given Upstart's stronger consensus rating and higher possible 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

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 contrast the two companies based on the strength of their profitability, dividends, analyst recommendations, earnings, risk, valuation, institutional ownership and media sentiment.

63.0% of Upstart shares are held by institutional investors. Comparatively, 85.8% of Fair Isaac shares are held by institutional investors. 16.7% 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 endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

In the previous week, Upstart had 10 more articles in the media than Fair Isaac. MarketBeat recorded 28 mentions for Upstart and 18 mentions for Fair Isaac. Fair Isaac's average media sentiment score of 1.13 beat Upstart's score of 0.28 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	4 Very Positive mention(s)	0 Positive mention(s)	20 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral
Fair Isaac	10 Very Positive mention(s)	3 Positive mention(s)	3 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Positive

Upstart currently has a consensus target price of $45.79, suggesting a potential upside of 55.15%. Fair Isaac has a consensus target price of $1,655.07, suggesting a potential upside of 50.55%. Given Upstart's higher probable upside, research 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)	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

Upstart has a beta of 2.26, meaning that its share price is 126% more volatile than the broader market. Comparatively, Fair Isaac has a beta of 1.24, meaning that its share price is 24% more volatile than the broader market.

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upstart	$1.04B	2.71	$53.60M	$0.38	77.66
Fair Isaac	$2.26B	11.30	$651.95M	$31.57	34.82

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
Upstart	4.34%	5.63%	1.49%
Fair Isaac	33.67%	-41.04%	37.92%

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 banking companies, but which is the superior investment? We will compare the two companies based on the strength of their earnings, risk, media sentiment, valuation, dividends, profitability, analyst recommendations and institutional ownership.

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upstart	$1.04B	2.71	$53.60M	$0.38	77.66
LendingClub	$1.03B	1.74	$135.68M	$1.49	10.44

In the previous week, Upstart had 24 more articles in the media than LendingClub. MarketBeat recorded 28 mentions for Upstart and 4 mentions for LendingClub. LendingClub's average media sentiment score of 0.30 beat Upstart's score of 0.28 indicating that LendingClub is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Upstart	4 Very Positive mention(s)	0 Positive mention(s)	20 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral
LendingClub	0 Very Positive mention(s)	0 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Upstart has a beta of 2.26, meaning that its stock price is 126% more volatile than the broader market. Comparatively, LendingClub has a beta of 2, meaning that its stock price is 100% more volatile than the broader market.

Upstart currently has a consensus price target of $45.79, indicating a potential upside of 55.15%. LendingClub has a consensus price target of $23.07, indicating a potential upside of 48.37%. Given Upstart's higher probable 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

63.0% of Upstart shares are owned by institutional investors. Comparatively, 74.1% of LendingClub shares are owned by institutional investors. 16.7% 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, large money managers and hedge funds believe a company is poised for long-term growth.

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
Upstart	4.34%	5.63%	1.49%
LendingClub	16.99%	11.92%	1.55%

Summary

LendingClub beats Upstart on 9 of the 17 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 institutional ownership, valuation, media sentiment, risk, analyst recommendations, earnings, dividends and profitability.

Upstart presently has a consensus price target of $45.79, indicating a potential upside of 55.15%. Lemonade has a consensus price target of $64.25, indicating a potential upside of 25.07%. Given Upstart's stronger consensus rating and higher probable 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)	6 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.25
Lemonade	3 Sell rating(s)	1 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.22

In the previous week, Upstart had 20 more articles in the media than Lemonade. MarketBeat recorded 28 mentions for Upstart and 8 mentions for Lemonade. Lemonade's average media sentiment score of 0.72 beat Upstart's score of 0.28 indicating that Lemonade is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Upstart	4 Very Positive mention(s)	0 Positive mention(s)	20 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral
Lemonade	5 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upstart	$1.04B	2.71	$53.60M	$0.38	77.66
Lemonade	$737.90M	5.35	-$165.50M	-$1.87	N/A

Upstart has a beta of 2.26, indicating that its stock price is 126% more volatile than the broader market. Comparatively, Lemonade has a beta of 1.85, indicating that its stock price is 85% more volatile than the broader market.

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

63.0% of Upstart shares are owned by institutional investors. Comparatively, 80.3% of Lemonade shares are owned by institutional investors. 16.7% of Upstart shares are owned by company insiders. Comparatively, 14.7% of Lemonade shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Upstart beats Lemonade on 13 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.

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.

UPST vs. The Competition

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Metric	Upstart	FIN Industry	Finance Sector	NASDAQ Exchange
Market Cap	$2.82B	$7.01B	$13.37B	$12.30B
Dividend Yield	N/A	5.79%	5.87%	5.26%
P/E Ratio	77.66	89.75	23.54	25.27
Price / Sales	2.71	9.46	169.80	70.05
Price / Cash	36.60	68.72	19.96	54.86
Price / Book	3.85	2.57	2.12	6.90
Net Income	$53.60M	$303.67M	$1.11B	$334.66M
7 Day Performance	1.90%	-2.64%	-1.60%	0.12%
1 Month Performance	-14.64%	-2.98%	-1.69%	-0.18%
1 Year Performance	-38.62%	13.12%	9.17%	30.62%

Upstart Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
UPST Upstart	4.8449 of 5 stars	$29.51 -0.7%	$45.79 +55.2%	-38.6%	$2.82B	$1.04B	77.66	1,405	Trending News Insider Trade Gap Down
AFRM Affirm	4.4609 of 5 stars	$65.58 -1.8%	$83.76 +27.7%	+25.2%	$21.85B	$3.72B	80.96	2,206	Trending News Analyst Forecast Insider Trade Gap Down
SOFI SoFi Technologies	4.3103 of 5 stars	$16.30 +1.7%	$22.72 +39.4%	+12.1%	$20.79B	$3.94B	37.05	6,100	Analyst Forecast
FICO Fair Isaac	4.9172 of 5 stars	$1,067.65 +0.1%	$1,655.07 +55.0%	-50.0%	$24.76B	$1.99B	33.82	3,811	Positive News Analyst Downgrade
LC LendingClub	4.6515 of 5 stars	$17.10 +0.2%	$23.07 +34.9%	+46.4%	$1.97B	$998.85M	11.48	1,075

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This page (NASDAQ:UPST) was last updated on 5/17/2026 by MarketBeat.com Staff.

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Upstart (UPST) Competitors