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Upstart (UPST) Competitors

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$23.93 -0.42 (-1.74%)
As of 02:27 PM Eastern
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UPST vs. AFRM, SOFI, FICO, LMND, and OMF

Should you buy Upstart stock or one of its competitors? Upstart's main competitors and comparable companies include Affirm (AFRM), SoFi Technologies (SOFI), Fair Isaac (FICO), Lemonade (LMND), and OneMain (OMF). Companies are selected based on similarities in market, industry, and size.

How does Upstart compare to Affirm?

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

Affirm has a beta of 3.82, meaning that its stock price is 282% more volatile than the broader market. Comparatively, Upstart has a beta of 2.43, meaning that its stock price is 143% more volatile than the broader market.

Affirm currently has a consensus price target of $98.78, indicating a potential upside of 32.14%. Upstart has a consensus price target of $43.75, indicating a potential upside of 79.67%. 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)
8 Hold rating(s)
25 Buy rating(s)
0 Strong Buy rating(s)
2.76
Upstart
2 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35

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

In the previous week, Affirm had 2 more articles in the media than Upstart. MarketBeat recorded 7 mentions for Affirm and 5 mentions for Upstart. Upstart's average media sentiment score of 0.57 beat Affirm's score of 0.30 indicating that Upstart is being referred to more favorably in the news media.

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

Affirm has higher revenue and earnings than Upstart. 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$4.26B5.92$1.93B$5.5213.54
Upstart$1.04B2.27$53.60M$0.4949.69

Affirm has a net margin of 45.29% compared to Upstart's net margin of 4.84%. Affirm's return on equity of 47.91% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm45.29% 47.91% 14.46%
Upstart 4.84%7.13%1.82%

Summary

Affirm beats Upstart on 12 of the 16 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 superior business? We will contrast the two businesses based on the strength of their institutional ownership, earnings, media sentiment, valuation, dividends, profitability, risk and analyst recommendations.

SoFi Technologies has a beta of 2.33, suggesting that its stock price is 133% more volatile than the broader market. Comparatively, Upstart has a beta of 2.43, suggesting that its stock price is 143% more volatile than the broader market.

In the previous week, SoFi Technologies had 10 more articles in the media than Upstart. MarketBeat recorded 15 mentions for SoFi Technologies and 5 mentions for Upstart. Upstart's average media sentiment score of 0.57 beat SoFi Technologies' score of 0.56 indicating that Upstart is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
SoFi Technologies
6 Very Positive mention(s)
3 Positive mention(s)
3 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive
Upstart
3 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
1 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 company insiders. Comparatively, 17.3% of Upstart shares are owned by company 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.

SoFi Technologies presently has a consensus target price of $22.53, indicating a potential upside of 41.49%. Upstart has a consensus target price of $43.75, indicating a potential upside of 79.67%. 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)
9 Buy rating(s)
0 Strong Buy rating(s)
2.26
Upstart
2 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35

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$0.4833.17
Upstart$1.04B2.27$53.60M$0.4949.69

SoFi Technologies has a net margin of 14.78% compared to Upstart's net margin of 4.84%. Upstart's return on equity of 7.13% beat SoFi Technologies' return on equity.

Company Net Margins Return on Equity Return on Assets
SoFi Technologies14.78% 6.22% 1.22%
Upstart 4.84%7.13%1.82%

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 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, Fair Isaac had 59 more articles in the media than Upstart. MarketBeat recorded 64 mentions for Fair Isaac and 5 mentions for Upstart. Upstart's average media sentiment score of 0.57 beat Fair Isaac's score of 0.02 indicating that Upstart is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Upstart
3 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Fair Isaac
8 Very Positive mention(s)
16 Positive mention(s)
17 Neutral mention(s)
16 Negative mention(s)
4 Very Negative mention(s)
Neutral

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 company insiders. Comparatively, 3.0% of Fair Isaac 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.

Fair Isaac has a net margin of 34.05% compared to Upstart's net margin of 4.84%. Upstart's return on equity of 7.13% beat Fair Isaac's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.84% 7.13% 1.82%
Fair Isaac 34.05%-32.51%40.61%

Upstart currently has a consensus price target of $43.75, indicating a potential upside of 79.67%. Fair Isaac has a consensus price target of $1,210.38, indicating a potential upside of 75.42%. Given Upstart's higher possible upside, analysts clearly 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)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35
Fair Isaac
1 Sell rating(s)
6 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.53

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$1.04B2.27$53.60M$0.4949.69
Fair Isaac$2.39B6.23$651.95M$34.6219.93

Upstart has a beta of 2.43, suggesting that its share price is 143% more volatile than the broader market. Comparatively, Fair Isaac has a beta of 1.35, suggesting that its share price is 35% more volatile than the broader market.

Summary

Fair Isaac beats Upstart on 10 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 business? We will compare the two companies based on the strength of their media sentiment, institutional ownership, valuation, risk, analyst recommendations, profitability, dividends and earnings.

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 insiders. Comparatively, 12.2% of Lemonade shares are owned 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 presently has a consensus target price of $43.75, indicating a potential upside of 79.67%. Lemonade has a consensus target price of $64.50, indicating a potential upside of 38.04%. Given Upstart's stronger consensus rating and higher probable upside, equities analysts clearly believe Upstart is more favorable than Lemonade.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
2 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35
Lemonade
1 Sell rating(s)
4 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.33

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$1.04B2.27$53.60M$0.4949.69
Lemonade$737.90M4.90-$165.50M-$1.83N/A

Upstart has a beta of 2.43, indicating that its share price is 143% more volatile than the broader market. Comparatively, Lemonade has a beta of 1.87, indicating that its share price is 87% more volatile than the broader market.

Upstart has a net margin of 4.84% compared to Lemonade's net margin of -14.19%. Upstart's return on equity of 7.13% beat Lemonade's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.84% 7.13% 1.82%
Lemonade -14.19%-26.78%-7.08%

In the previous week, Upstart and Upstart both had 5 articles in the media. Upstart's average media sentiment score of 0.57 beat Lemonade's score of 0.34 indicating that Upstart is being referred to more favorably in the media.

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

Summary

Upstart beats Lemonade on 13 of the 15 factors compared between the two stocks.

How does Upstart compare to OneMain?

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

63.0% of Upstart shares are held by institutional investors. Comparatively, 85.8% of OneMain shares are held by institutional investors. 17.3% of Upstart shares are held by insiders. Comparatively, 0.3% of OneMain shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Upstart presently has a consensus target price of $43.75, indicating a potential upside of 79.67%. OneMain has a consensus target price of $67.73, indicating a potential upside of 20.31%. Given Upstart's higher possible upside, equities analysts clearly believe Upstart is more favorable than OneMain.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
2 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35
OneMain
1 Sell rating(s)
3 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.62

In the previous week, OneMain had 5 more articles in the media than Upstart. MarketBeat recorded 10 mentions for OneMain and 5 mentions for Upstart. Upstart's average media sentiment score of 0.57 beat OneMain's score of 0.45 indicating that Upstart is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Upstart
3 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
OneMain
4 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

OneMain has a net margin of 13.92% compared to Upstart's net margin of 4.84%. OneMain's return on equity of 23.49% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.84% 7.13% 1.82%
OneMain 13.92%23.49%2.92%

OneMain has higher revenue and earnings than Upstart. OneMain 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$1.04B2.27$53.60M$0.4949.69
OneMain$5.12B1.26$783M$6.648.48

Upstart has a beta of 2.43, indicating that its share price is 143% more volatile than the broader market. Comparatively, OneMain has a beta of 1.24, indicating that its share price is 24% more volatile than the broader market.

Summary

OneMain beats Upstart on 10 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

MetricUpstartConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$2.34B$6.74B$13.46B$13.44B
Dividend YieldN/A12.80%6.03%17.38%
P/E Ratio49.078.4724.4926.29
Price / Sales1.9161.22498.1886.17
Price / Cash28.2911.1229.4634.70
Price / Book2.932.502.716.38
Net Income$53.60M$442.63M$1.31B$381.07M
7 Day Performance3.95%-0.75%-0.14%-0.28%
1 Month Performance-14.24%-7.06%-3.11%-4.51%
1 Year Performance-54.28%1.22%11.33%1.57%

Upstart Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UPST
Upstart
4.6458 of 5 stars
$23.93
-1.7%
$43.75
+82.9%
-53.1%$2.33B$1.23B48.871,405
AFRM
Affirm
4.6169 of 5 stars
$69.23
-0.1%
$98.78
+42.7%
-0.1%$23.38B$4.26B12.542,358
SOFI
SoFi Technologies
4.0153 of 5 stars
$15.72
-1.2%
$22.53
+43.3%
-36.9%$20.55B$3.61B32.756,100
FICO
Fair Isaac
4.8886 of 5 stars
$593.43
-4.0%
$1,250.33
+110.7%
-62.7%$13.34B$1.99B17.143,811
LMND
Lemonade
2.493 of 5 stars
$45.28
+1.5%
$64.50
+42.5%
-14.3%$3.45B$737.90MN/A1,282

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This page (NASDAQ:UPST) was last updated on 10/6/2026 by MarketBeat.com Staff.
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