Free Trial

Upstart (UPST) Competitors

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

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%

Affirm has a beta of 3.7, meaning that its share price is 270% 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.

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

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 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)
6 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.25

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

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 company is poised for long-term growth.

Summary

Affirm beats Upstart on 12 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 better investment? We will compare the two companies based on the strength of their dividends, institutional ownership, valuation, risk, analyst recommendations, media sentiment, earnings and profitability.

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

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 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
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 currently has a consensus price target of $45.79, suggesting a potential upside of 53.95%. SoFi Technologies has a consensus price target of $22.56, suggesting a potential upside of 40.71%. Given Upstart's stronger consensus rating and higher probable upside, 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)
6 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.25
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.19

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

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

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

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

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

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%

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

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

Upstart currently has a consensus price target of $45.79, suggesting a potential upside of 53.95%. Fair Isaac has a consensus price target of $1,619.36, suggesting a potential upside of 41.94%. 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

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

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. Upstart's average media sentiment score of 0.08 beat LendingClub'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
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, 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$1.04B2.73$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 probable upside, analysts plainly 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 held by institutional investors. Comparatively, 74.1% of LendingClub shares are held by institutional investors. 17.3% of Upstart shares are held by insiders. Comparatively, 3.2% of LendingClub 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.

Summary

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

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

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. Lemonade's average media sentiment score of 0.09 beat Upstart's score of 0.08 indicating that Lemonade is being referred to more favorably in the 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 presently has a consensus price target of $64.89, suggesting a potential upside of 26.10%. Upstart has a consensus price target of $45.79, suggesting a potential upside of 53.95%. 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
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

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%

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

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

Summary

Upstart beats Lemonade on 13 of the 16 factors compared between the two stocks.

Get Upstart News Delivered to You Automatically

Sign up to receive the latest news and ratings for UPST and its competitors with MarketBeat's FREE daily newsletter.

Subscribe Now
SMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy.

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.
Skip Chart

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.
Skip Chart

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 / Sales2.7311.65134.83137.68
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
4.6698 of 5 stars
$70.44
+1.7%
$86.00
+22.1%
+14.2%$23.59B$3.97B64.042,206
SOFI
SoFi Technologies
4.4118 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

Related Companies and Tools


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