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Upstart (UPST) Competitors

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$29.51 -1.37 (-4.44%)
Closing price 07/17/2026 04:00 PM Eastern
Extended Trading
$29.74 +0.23 (+0.78%)
As of 07/17/2026 07:57 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, LMND, and HUT

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 Hut 8 (HUT).

How does Upstart compare to Affirm?

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

In the previous week, Affirm had 8 more articles in the media than Upstart. MarketBeat recorded 10 mentions for Affirm and 2 mentions for Upstart. Affirm's average media sentiment score of 0.93 beat Upstart's score of 0.76 indicating that Affirm is being referred to more favorably in the media.

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

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$3.24B7.85$52.19M$1.1069.15
Upstart$1.04B2.71$53.60M$0.3877.66

Affirm has a beta of 3.67, indicating that its stock price is 267% 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.

69.3% of Affirm shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 11.0% of Affirm shares are held by insiders. Comparatively, 17.3% of Upstart shares are held 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.

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 presently has a consensus target price of $92.04, indicating a potential upside of 20.99%. Upstart has a consensus target price of $45.20, indicating a potential upside of 53.17%. Given Upstart's higher possible 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)
8 Hold rating(s)
21 Buy rating(s)
1 Strong Buy rating(s)
2.77
Upstart
3 Sell rating(s)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24

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

SoFi Technologies presently has a consensus target price of $22.78, suggesting a potential upside of 31.82%. Upstart has a consensus target price of $45.20, suggesting a potential upside of 53.17%. Given Upstart's stronger consensus rating and higher possible upside, analysts plainly 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)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24

SoFi Technologies has a beta of 2.14, suggesting that its share price is 114% more volatile than the broader market. Comparatively, Upstart has a beta of 2.26, suggesting that its share price is 126% more volatile than the broader market.

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 Technologies14.65% 6.25% 1.21%
Upstart 4.34%5.63%1.49%

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

In the previous week, SoFi Technologies had 23 more articles in the media than Upstart. MarketBeat recorded 25 mentions for SoFi Technologies and 2 mentions for Upstart. Upstart's average media sentiment score of 0.76 beat SoFi Technologies' score of 0.76 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
10 Very Positive mention(s)
9 Positive mention(s)
5 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Upstart
1 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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$3.61B6.13$481.32M$0.4439.27
Upstart$1.04B2.71$53.60M$0.3877.66

Summary

Upstart beats SoFi Technologies on 8 of the 15 factors compared between the two stocks.

How does Upstart compare to Fair Isaac?

Fair Isaac (NYSE:FICO) and Upstart (NASDAQ:UPST) are related companies, but which is the better business? We will compare the two companies based on the strength of their valuation, earnings, institutional ownership, profitability, dividends, risk, analyst recommendations and media sentiment.

Fair Isaac has a beta of 1.29, meaning that its stock price is 29% 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.

In the previous week, Fair Isaac had 9 more articles in the media than Upstart. MarketBeat recorded 11 mentions for Fair Isaac and 2 mentions for Upstart. Fair Isaac's average media sentiment score of 1.45 beat Upstart's score of 0.76 indicating that Fair Isaac is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Fair Isaac
9 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Upstart
1 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Fair Isaac currently has a consensus price target of $1,627.93, suggesting a potential upside of 29.49%. Upstart has a consensus price target of $45.20, suggesting a potential upside of 53.17%. 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
Fair Isaac
0 Sell rating(s)
5 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.67
Upstart
3 Sell rating(s)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24

85.8% of Fair Isaac shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 3.0% of Fair Isaac shares are held by insiders. Comparatively, 17.3% of Upstart shares are held 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.

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
Fair Isaac33.67% -41.04% 37.92%
Upstart 4.34%5.63%1.49%

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
Fair Isaac$1.99B14.64$651.95M$31.5739.82
Upstart$1.04B2.71$53.60M$0.3877.66

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

Lemonade presently has a consensus target price of $66.78, suggesting a potential downside of 0.94%. Upstart has a consensus target price of $45.20, suggesting a potential upside of 53.17%. Given Upstart's stronger consensus rating and higher probable 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)
3 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.10
Upstart
3 Sell rating(s)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24

80.3% of Lemonade shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 12.2% 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, endowments and large money managers believe a stock will outperform the market over the long term.

Lemonade has a beta of 1.79, indicating that its share price is 79% 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.

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$737.90M7.02-$165.50M-$1.87N/A
Upstart$1.04B2.71$53.60M$0.3877.66

In the previous week, Lemonade had 6 more articles in the media than Upstart. MarketBeat recorded 8 mentions for Lemonade and 2 mentions for Upstart. Upstart's average media sentiment score of 0.76 beat Lemonade's score of 0.55 indicating that Upstart is being referred to more favorably in the news media.

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

How does Upstart compare to Hut 8?

Hut 8 (NASDAQ:HUT) and Upstart (NASDAQ:UPST) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, institutional ownership, valuation, profitability, media sentiment, analyst recommendations, earnings and dividends.

Upstart has higher revenue and earnings than Hut 8. Hut 8 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
Hut 8$235.12M43.79-$226.15M-$3.00N/A
Upstart$1.04B2.71$53.60M$0.3877.66

Hut 8 presently has a consensus price target of $120.37, suggesting a potential upside of 31.62%. Upstart has a consensus price target of $45.20, suggesting a potential upside of 53.17%. Given Upstart's higher probable upside, analysts plainly believe Upstart is more favorable than Hut 8.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hut 8
1 Sell rating(s)
0 Hold rating(s)
17 Buy rating(s)
0 Strong Buy rating(s)
2.89
Upstart
3 Sell rating(s)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24

Upstart has a net margin of 4.34% compared to Hut 8's net margin of -109.77%. Upstart's return on equity of 5.63% beat Hut 8's return on equity.

Company Net Margins Return on Equity Return on Assets
Hut 8-109.77% -0.35% -0.22%
Upstart 4.34%5.63%1.49%

31.8% of Hut 8 shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 10.4% of Hut 8 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.

In the previous week, Hut 8 had 8 more articles in the media than Upstart. MarketBeat recorded 10 mentions for Hut 8 and 2 mentions for Upstart. Hut 8's average media sentiment score of 1.24 beat Upstart's score of 0.76 indicating that Hut 8 is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Hut 8
8 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Upstart
1 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Hut 8 has a beta of 4.62, indicating that its stock price is 362% 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.

Summary

Upstart beats Hut 8 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

MetricUpstartFIN IndustryFinance SectorNASDAQ Exchange
Market Cap$2.82B$7.27B$14.38B$12.29B
Dividend YieldN/A5.00%5.67%9.35%
P/E Ratio77.6617.4620.6723.90
Price / Sales2.7111.1744.6191.71
Price / Cash36.6047.6019.2348.09
Price / Book3.593.222.266.18
Net Income$53.60M$308.48M$1.14B$332.02M
7 Day Performance-9.87%-1.82%0.48%-2.05%
1 Month Performance-9.00%-4.65%1.80%-2.18%
1 Year Performance-62.34%-7.14%13.52%17.67%

Upstart Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UPST
Upstart
4.8448 of 5 stars
$29.51
-4.4%
$45.20
+53.2%
-62.3%$2.82B$1.04B77.661,405
AFRM
Affirm
4.0713 of 5 stars
$81.28
-2.8%
$88.88
+9.4%
+10.4%$28.00B$3.24B76.022,206
SOFI
SoFi Technologies
4.476 of 5 stars
$17.73
-0.1%
$22.56
+27.2%
-20.8%$22.77B$3.61B40.346,100
FICO
Fair Isaac
4.5692 of 5 stars
$1,268.05
-2.5%
$1,627.93
+28.4%
-18.4%$30.15B$1.99B40.173,811
LMND
Lemonade
1.3491 of 5 stars
$70.90
-8.6%
$65.33
-7.8%
+60.1%$5.96B$737.90MN/A1,282

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This page (NASDAQ:UPST) was last updated on 7/19/2026 by MarketBeat.com Staff.
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