Upstart (UPST) Competitors

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$33.66 +0.69 (+2.09%)
Closing price 06/26/2026 04:00 PM Eastern
Extended Trading
$33.58 -0.08 (-0.25%)
As of 06/26/2026 07:58 PM Eastern
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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 stock? We will contrast the two companies based on the strength of their analyst recommendations, earnings, dividends, institutional ownership, risk, profitability, valuation and media sentiment.

In the previous week, Upstart had 5 more articles in the media than Affirm. MarketBeat recorded 15 mentions for Upstart and 10 mentions for Affirm. Upstart's average media sentiment score of 0.82 beat Affirm's score of 0.48 indicating that Upstart is being referred to more favorably in the news media.

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

Affirm presently has a consensus price target of $86.68, suggesting a potential upside of 9.05%. Upstart has a consensus price target of $44.73, suggesting a potential upside of 32.90%. Given Upstart's higher probable upside, analysts clearly 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)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24

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 company insiders. Comparatively, 17.3% of Upstart 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.

Affirm has a beta of 3.7, indicating that its stock price is 270% 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.

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$3.97B6.70$52.19M$1.1072.26
Upstart$1.12B2.88$53.60M$0.3888.58

Summary

Affirm beats Upstart on 11 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 superior business? We will contrast the two businesses based on the strength of their earnings, profitability, institutional ownership, valuation, media sentiment, dividends, analyst recommendations and risk.

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

Upstart presently has a consensus price target of $44.73, suggesting a potential upside of 32.90%. SoFi Technologies has a consensus price target of $22.56, suggesting a potential upside of 26.15%. Given Upstart's stronger consensus rating and higher probable upside, equities research 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

In the previous week, SoFi Technologies had 37 more articles in the media than Upstart. MarketBeat recorded 52 mentions for SoFi Technologies and 15 mentions for Upstart. Upstart's average media sentiment score of 0.82 beat SoFi Technologies' score of 0.82 indicating that Upstart is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Upstart
6 Very Positive mention(s)
4 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Positive
SoFi Technologies
28 Very Positive mention(s)
6 Positive mention(s)
14 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

63.0% of Upstart shares are owned by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are owned by institutional investors. 17.3% of Upstart shares are owned by insiders. Comparatively, 2.5% of SoFi Technologies shares are owned by 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.

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$1.12B2.88$53.60M$0.3888.58
SoFi Technologies$3.94B5.82$481.32M$0.4440.64

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

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$1.12B2.88$53.60M$0.3888.58
Fair Isaac$1.99B13.74$651.95M$31.5737.36

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

Upstart currently has a consensus target price of $44.73, suggesting a potential upside of 32.90%. Fair Isaac has a consensus target price of $1,626.50, suggesting a potential upside of 37.90%. Given Fair Isaac's stronger consensus rating and higher possible upside, analysts clearly believe Fair Isaac is more favorable than Upstart.

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

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%

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

In the previous week, Upstart had 7 more articles in the media than Fair Isaac. MarketBeat recorded 15 mentions for Upstart and 8 mentions for Fair Isaac. Upstart's average media sentiment score of 0.82 beat Fair Isaac's score of 0.82 indicating that Upstart is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Upstart
6 Very Positive mention(s)
4 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Positive
Fair Isaac
4 Very Positive mention(s)
2 Positive mention(s)
2 Neutral mention(s)
0 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 companies based on the strength of their earnings, analyst recommendations, valuation, media sentiment, dividends, risk, profitability and institutional ownership.

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%

In the previous week, Upstart had 8 more articles in the media than LendingClub. MarketBeat recorded 15 mentions for Upstart and 7 mentions for LendingClub. Upstart's average media sentiment score of 0.82 beat LendingClub's score of 0.61 indicating that Upstart is being referred to more favorably in the media.

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

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

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$1.12B2.88$53.60M$0.3888.58
LendingClub$1.03B2.14$135.68M$1.4912.89

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

Upstart presently has a consensus price target of $44.73, indicating a potential upside of 32.90%. LendingClub has a consensus price target of $23.07, indicating a potential upside of 20.10%. 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)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24
LendingClub
0 Sell rating(s)
3 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.80

Summary

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

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%

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, 14.7% of Lemonade shares are owned by company 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.

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

Upstart currently has a consensus price target of $44.73, suggesting a potential upside of 32.90%. Lemonade has a consensus price target of $64.89, suggesting a potential upside of 10.34%. Given Upstart's stronger consensus rating and higher possible upside, research 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)
2 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.20

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$1.12B2.88$53.60M$0.3888.58
Lemonade$737.90M6.12-$165.50M-$1.87N/A

In the previous week, Upstart had 6 more articles in the media than Lemonade. MarketBeat recorded 15 mentions for Upstart and 9 mentions for Lemonade. Lemonade's average media sentiment score of 0.86 beat Upstart's score of 0.82 indicating that Lemonade is being referred to more favorably in the news media.

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

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.
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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$3.16B$7.05B$13.83B$12.22B
Dividend YieldN/A5.04%5.72%6.12%
P/E Ratio88.5817.9820.4524.17
Price / Sales2.8811.00136.0599.02
Price / Cash40.8950.7719.2654.37
Price / Book4.103.362.266.35
Net Income$53.60M$305.88M$1.14B$337.63M
7 Day Performance3.79%-2.32%0.88%0.43%
1 Month Performance9.57%-3.44%1.30%0.14%
1 Year Performance-46.93%7.41%15.34%27.64%

Upstart Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UPST
Upstart
4.8441 of 5 stars
$33.66
+2.1%
$44.73
+32.9%
-46.9%$3.16B$1.12B88.581,405
AFRM
Affirm
3.6498 of 5 stars
$70.73
-5.3%
$86.20
+21.9%
+18.8%$25.01B$3.24B67.902,206
SOFI
SoFi Technologies
4.4318 of 5 stars
$17.42
-1.6%
$22.56
+29.5%
+6.6%$22.72B$3.61B40.256,100
FICO
Fair Isaac
4.712 of 5 stars
$1,126.49
-5.0%
$1,626.50
+44.4%
-35.2%$27.51B$1.99B39.453,811
LC
LendingClub
4.3426 of 5 stars
$18.83
-1.0%
$23.07
+22.5%
N/A$2.20B$998.85M12.771,075

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This page (NASDAQ:UPST) was last updated on 6/27/2026 by MarketBeat.com Staff.
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