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Upstart (UPST) Competitors

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$25.26 -0.02 (-0.08%)
As of 11:20 AM Eastern
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UPST vs. AFRM, SOFI, FICO, LMND, and FCFS

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 FirstCash (FCFS). Companies are selected based on similarities in market, industry, and size.

How does Upstart compare to Affirm?

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

Upstart has a beta of 2.16, indicating that its share price is 116% more volatile than the broader market. Comparatively, Affirm has a beta of 3.61, indicating that its share price is 261% more volatile than the broader market.

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
Upstart$1.04B2.35$53.60M$0.4951.55
Affirm$4.26B5.73$1.93B$5.5213.11

In the previous week, Affirm had 1 more articles in the media than Upstart. MarketBeat recorded 15 mentions for Affirm and 14 mentions for Upstart. Upstart's average media sentiment score of 0.74 beat Affirm's score of 0.38 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)
2 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Affirm
3 Very Positive mention(s)
0 Positive mention(s)
7 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

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
Upstart4.84% 7.13% 1.82%
Affirm 45.29%47.91%14.46%

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

Upstart presently has a consensus price target of $43.75, suggesting a potential upside of 73.21%. Affirm has a consensus price target of $98.78, suggesting a potential upside of 36.52%. Given Upstart's higher probable upside, equities analysts plainly believe Upstart is more favorable than Affirm.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
1 Sell rating(s)
8 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.41
Affirm
0 Sell rating(s)
8 Hold rating(s)
24 Buy rating(s)
0 Strong Buy rating(s)
2.75

Summary

Affirm beats Upstart on 12 of the 16 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 companies based on the strength of their analyst recommendations, valuation, risk, media sentiment, institutional ownership, dividends, profitability and earnings.

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 company insiders. Comparatively, 2.5% of SoFi Technologies shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

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
Upstart4.84% 7.13% 1.82%
SoFi Technologies 14.78%6.22%1.22%

Upstart presently has a consensus price target of $43.75, suggesting a potential upside of 73.21%. SoFi Technologies has a consensus price target of $22.53, suggesting a potential upside of 33.01%. Given Upstart's stronger consensus rating and higher probable upside, research analysts clearly believe Upstart is more favorable than SoFi Technologies.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
1 Sell rating(s)
8 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.41
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.26

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$1.04B2.35$53.60M$0.4951.55
SoFi Technologies$3.61B6.05$481.32M$0.4835.28

Upstart has a beta of 2.16, suggesting that its stock price is 116% more volatile than the broader market. Comparatively, SoFi Technologies has a beta of 2.2, suggesting that its stock price is 120% more volatile than the broader market.

In the previous week, SoFi Technologies had 19 more articles in the media than Upstart. MarketBeat recorded 33 mentions for SoFi Technologies and 14 mentions for Upstart. SoFi Technologies' average media sentiment score of 0.84 beat Upstart's score of 0.74 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
6 Very Positive mention(s)
2 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
SoFi Technologies
16 Very Positive mention(s)
7 Positive mention(s)
6 Neutral mention(s)
2 Negative mention(s)
1 Very Negative mention(s)
Positive

Summary

Upstart and SoFi Technologies tied by winning 8 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 better stock? We will contrast the two companies based on the strength of their valuation, risk, earnings, institutional ownership, media sentiment, profitability, dividends and analyst recommendations.

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%

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$1.04B2.35$53.60M$0.4951.55
Fair Isaac$1.99B10.78$651.95M$34.6228.69

Upstart has a beta of 2.16, meaning that its share price is 116% more volatile than the broader market. Comparatively, Fair Isaac has a beta of 1.32, meaning that its share price is 32% more volatile than the broader market.

Upstart presently has a consensus price target of $43.75, indicating a potential upside of 73.21%. Fair Isaac has a consensus price target of $1,553.69, indicating a potential upside of 56.43%. Given Upstart's higher possible upside, equities research analysts plainly believe Upstart is more favorable than Fair Isaac.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
1 Sell rating(s)
8 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.41
Fair Isaac
0 Sell rating(s)
5 Hold rating(s)
11 Buy rating(s)
0 Strong Buy rating(s)
2.69

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 large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

In the previous week, Fair Isaac had 1 more articles in the media than Upstart. MarketBeat recorded 15 mentions for Fair Isaac and 14 mentions for Upstart. Fair Isaac's average media sentiment score of 0.90 beat Upstart's score of 0.74 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
6 Very Positive mention(s)
2 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Fair Isaac
9 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

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

63.0% of Upstart shares are held by institutional investors. Comparatively, 80.3% of Lemonade shares are held by institutional investors. 17.3% of Upstart shares are held by insiders. Comparatively, 12.2% of Lemonade shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Upstart has a beta of 2.16, suggesting that its stock price is 116% more volatile than the broader market. Comparatively, Lemonade has a beta of 1.87, suggesting that its stock price is 87% more volatile than the broader market.

In the previous week, Upstart had 6 more articles in the media than Lemonade. MarketBeat recorded 14 mentions for Upstart and 8 mentions for Lemonade. Upstart's average media sentiment score of 0.74 beat Lemonade's score of 0.41 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)
2 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Lemonade
3 Very Positive mention(s)
1 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Upstart presently has a consensus target price of $43.75, indicating a potential upside of 73.21%. Lemonade has a consensus target price of $64.50, indicating a potential upside of 30.01%. Given Upstart's stronger consensus rating and higher possible upside, research analysts clearly believe Upstart is more favorable than Lemonade.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
1 Sell rating(s)
8 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.41
Lemonade
1 Sell rating(s)
4 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.33

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%

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$1.04B2.35$53.60M$0.4951.55
Lemonade$737.90M5.20-$165.50M-$1.83N/A

Summary

Upstart beats Lemonade on 14 of the 16 factors compared between the two stocks.

How does Upstart compare to FirstCash?

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

In the previous week, Upstart had 8 more articles in the media than FirstCash. MarketBeat recorded 14 mentions for Upstart and 6 mentions for FirstCash. FirstCash's average media sentiment score of 1.32 beat Upstart's score of 0.74 indicating that FirstCash is being referred to more favorably in the media.

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

FirstCash currently has a consensus price target of $249.00, suggesting a potential upside of 14.38%. Upstart has a consensus price target of $43.75, suggesting a potential upside of 73.21%. Given Upstart's higher probable upside, analysts clearly believe Upstart is more favorable than FirstCash.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FirstCash
0 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.80
Upstart
1 Sell rating(s)
8 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.41

FirstCash has higher revenue and earnings than Upstart. FirstCash 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
FirstCash$3.66B2.58$330.38M$8.7624.85
Upstart$1.04B2.35$53.60M$0.4951.55

80.3% of FirstCash shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 2.9% of FirstCash 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 company will outperform the market over the long term.

FirstCash has a net margin of 9.42% compared to Upstart's net margin of 4.84%. FirstCash's return on equity of 19.65% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
FirstCash9.42% 19.65% 8.38%
Upstart 4.84%7.13%1.82%

FirstCash has a beta of 0.53, indicating that its stock price is 47% less volatile than the broader market. Comparatively, Upstart has a beta of 2.16, indicating that its stock price is 116% more volatile than the broader market.

Summary

FirstCash 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$2.46B$7.09B$13.89B$14.98B
Dividend YieldN/A12.61%5.95%11.71%
P/E Ratio51.538.8625.3425.46
Price / Sales2.3572.91500.37112.52
Price / Cash32.3711.6340.5751.48
Price / Book3.082.562.736.22
Net Income$53.60M$442.63M$1.31B$358.21M
7 Day Performance-2.44%-1.32%-0.60%0.15%
1 Month Performance-16.99%-4.66%-0.91%-3.29%
1 Year Performance-62.40%7.68%10.04%6.49%

Upstart Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UPST
Upstart
4.5011 of 5 stars
$25.26
-0.1%
$43.75
+73.2%
-62.3%$2.46B$1.04B51.531,405
AFRM
Affirm
4.6679 of 5 stars
$68.15
-5.5%
$99.33
+45.8%
-19.4%$24.32B$4.26B12.352,358
SOFI
SoFi Technologies
3.9066 of 5 stars
$17.33
-3.8%
$22.53
+30.0%
-38.3%$23.26B$3.61B36.106,100
FICO
Fair Isaac
4.9546 of 5 stars
$983.07
+5.3%
$1,553.69
+58.0%
-36.7%$20.16B$1.99B28.403,811
LMND
Lemonade
2.2746 of 5 stars
$49.27
-2.5%
$64.50
+30.9%
-12.5%$3.91B$737.90MN/A1,282

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This page (NASDAQ:UPST) was last updated on 9/16/2026 by MarketBeat.com Staff.
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