Upstart (UPST) Competitors $73.57 +0.18 (+0.25%) Closing price 07/3/2025 03:58 PM EasternExtended Trading$73.54 -0.02 (-0.03%) As of 07/3/2025 04:59 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 Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSustainabilityTrendsBuy This Stock UPST vs. AFRM, SOFI, FICO, LC, LMND, SHG, BSBR, CFG, BAP, and BCHShould you be buying Upstart stock or one of its competitors? The main competitors of Upstart include Affirm (AFRM), SoFi Technologies (SOFI), Fair Isaac (FICO), LendingClub (LC), Lemonade (LMND), Shinhan Financial Group (SHG), Banco Santander Brasil (BSBR), Citizens Financial Group (CFG), Credicorp (BAP), and Banco De Chile (BCH). Upstart vs. Its Competitors Affirm SoFi Technologies Fair Isaac LendingClub Lemonade Shinhan Financial Group Banco Santander Brasil Citizens Financial Group Credicorp Banco De Chile Upstart (NASDAQ:UPST) and Affirm (NASDAQ:AFRM) are both banking companies, but which is the better business? We will contrast the two businesses based on the strength of their media sentiment, institutional ownership, risk, analyst recommendations, dividends, valuation, earnings and profitability. Which has preferable valuation & earnings, UPST or AFRM? Upstart has higher earnings, but lower revenue 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 RatioUpstart$636.53M11.00-$128.58M-$0.75-98.09Affirm$2.32B9.59-$517.76M-$0.21-328.74 Do analysts prefer UPST or AFRM? Upstart presently has a consensus target price of $67.42, suggesting a potential downside of 8.36%. Affirm has a consensus target price of $65.67, suggesting a potential downside of 4.88%. Given Affirm's stronger consensus rating and higher possible upside, analysts clearly believe Affirm is more favorable than Upstart.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Upstart 1 Sell rating(s) 8 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.29Affirm 0 Sell rating(s) 8 Hold rating(s) 17 Buy rating(s) 1 Strong Buy rating(s) 2.73 Which has more volatility & risk, UPST or AFRM? Upstart has a beta of 2.37, suggesting that its stock price is 137% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.63, suggesting that its stock price is 263% more volatile than the S&P 500. Does the media refer more to UPST or AFRM? In the previous week, Affirm had 4 more articles in the media than Upstart. MarketBeat recorded 6 mentions for Affirm and 2 mentions for Upstart. Upstart's average media sentiment score of 0.99 beat Affirm's score of 0.05 indicating that Upstart is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Upstart 2 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Affirm 0 Very Positive mention(s) 0 Positive mention(s) 3 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Do institutionals and insiders believe in UPST or AFRM? 63.0% of Upstart shares are held by institutional investors. Comparatively, 69.3% of Affirm shares are held by institutional investors. 16.7% of Upstart shares are held by insiders. Comparatively, 11.8% of Affirm 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. Is UPST or AFRM more profitable? Affirm has a net margin of -2.07% compared to Upstart's net margin of -9.20%. Affirm's return on equity of -2.22% beat Upstart's return on equity.Company Net Margins Return on Equity Return on Assets Upstart-9.20% -15.27% -4.60% Affirm -2.07%-2.22%-0.61% SummaryAffirm beats Upstart on 12 of the 17 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. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?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 ChartMedia Sentiment Over TimeWhat is Media Sentiment?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 Export to ExcelMetricUpstartFIN IndustryFinance SectorNASDAQ ExchangeMarket Cap$7.02B$7.65B$12.11B$9.04BDividend YieldN/A4.75%5.54%4.00%P/E Ratio-98.0918.1320.0520.24Price / Sales11.006.2026.09117.30Price / CashN/A22.4521.7058.10Price / Book10.602.722.285.67Net Income-$128.58M$304.38M$1.00B$249.21M7 Day Performance15.99%7.36%2.25%3.28%1 Month Performance35.41%10.94%3.69%3.95%1 Year Performance217.11%25.58%541.99%20.98% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart3.4984 of 5 stars$73.57+0.2%$67.42-8.4%+217.1%$7.02B$636.53M-98.091,193AFRMAffirm2.0635 of 5 stars$69.12+1.6%$65.67-5.0%+141.8%$22.30B$2.32B-329.142,550Analyst ForecastSOFISoFi Technologies2.0639 of 5 stars$18.29+6.5%$14.73-19.4%+186.5%$20.22B$2.67B44.614,200Trending NewsHigh Trading VolumeFICOFair Isaac4.7977 of 5 stars$1,828.36+0.7%$2,304.15+26.0%+19.6%$44.51B$1.84B78.743,400Positive NewsLCLendingClub4.7937 of 5 stars$12.10+1.1%$16.13+33.3%+48.7%$1.38B$824.03M27.501,002LMNDLemonade2.3475 of 5 stars$43.74+4.0%$28.17-35.6%+158.7%$3.20B$526.50M-14.391,235Analyst ForecastSHGShinhan Financial Group4.7754 of 5 stars$45.17+1.9%N/A+20.7%$22.40B$24.56B5.88190News CoverageGap UpBSBRBanco Santander Brasil3.1663 of 5 stars$5.46+2.6%$5.35-2.0%+10.1%$20.32B$25.44B6.7452,600CFGCitizens Financial Group4.8574 of 5 stars$44.79+0.8%$47.89+6.9%+35.4%$19.58B$7.77B14.2217,287Positive NewsAnalyst ForecastBAPCredicorp4.124 of 5 stars$223.46-0.2%$211.00-5.6%+39.2%$17.77B$7.00B12.1538,000News CoveragePositive NewsBCHBanco De Chile2.3693 of 5 stars$30.35+2.3%$23.00-24.2%+30.7%$15.33B$4.21B10.6111,614 Related Companies and Tools Related Companies Affirm Alternatives SoFi Technologies Alternatives Fair Isaac Alternatives LendingClub Alternatives Lemonade Alternatives Shinhan Financial Group Alternatives Banco Santander Brasil Alternatives Citizens Financial Group Alternatives Credicorp Alternatives Banco De Chile Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:UPST) was last updated on 7/6/2025 by MarketBeat.com Staff From Our PartnersINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | SponsoredThe day and month stocks are most likely to crash nextGood News for Stocks 50-year Wall Street veteran, Marc Chaikin is stepping forward to share why history giv...Chaikin Analytics | Sponsored140% Yields From Stocks Like Tesla? 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