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Upstart (UPST) Competitors

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$73.57 +0.18 (+0.25%)
Closing price 07/3/2025 03:58 PM Eastern
Extended Trading
$73.54 -0.02 (-0.03%)
As of 07/3/2025 04:59 PM Eastern
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UPST vs. AFRM, SOFI, FICO, LC, LMND, SHG, BSBR, CFG, BAP, and BCH

Should 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

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

In the previous week, Affirm had 3 more articles in the media than Upstart. MarketBeat recorded 5 mentions for Affirm and 2 mentions for Upstart. Upstart's average media sentiment score of 0.71 beat Affirm's score of 0.29 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)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Upstart presently has a consensus target price of $67.42, indicating a potential downside of 8.36%. Affirm has a consensus target price of $65.67, indicating a potential downside of 4.88%. Given Affirm's stronger consensus rating and higher probable upside, analysts plainly 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)
2.29
Affirm
0 Sell rating(s)
8 Hold rating(s)
17 Buy rating(s)
1 Strong Buy rating(s)
2.73

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 Ratio
Upstart$636.53M11.00-$128.58M-$0.75-98.09
Affirm$2.32B9.59-$517.76M-$0.21-328.74

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

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%

Upstart has a beta of 2.37, indicating that its share price is 137% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.63, indicating that its share price is 263% more volatile than the S&P 500.

Summary

Affirm beats Upstart on 12 of the 17 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$6.98B$7.44B$12.04B$8.95B
Dividend YieldN/A4.82%5.57%4.08%
P/E Ratio-98.0918.1320.0720.04
Price / Sales11.005.2425.60118.79
Price / CashN/A21.6621.5057.47
Price / Book10.602.722.285.67
Net Income-$128.58M$304.38M$1.00B$248.47M
7 Day Performance15.99%7.10%2.19%3.32%
1 Month Performance45.22%11.98%4.44%5.20%
1 Year Performance218.90%24.96%540.82%21.35%

Upstart Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UPST
Upstart
3.4604 of 5 stars
$73.57
+0.2%
$67.42
-8.4%
+218.9%$6.98B$636.53M-98.091,193
AFRM
Affirm
2.1422 of 5 stars
$69.12
+1.6%
$65.67
-5.0%
+138.2%$22.30B$2.32B-329.142,550Analyst Forecast
SOFI
SoFi Technologies
2.0974 of 5 stars
$18.29
+6.5%
$14.73
-19.4%
+184.3%$20.22B$2.67B44.614,200Trending News
High Trading Volume
FICO
Fair Isaac
4.6435 of 5 stars
$1,828.36
+0.7%
$2,304.15
+26.0%
+21.6%$44.51B$1.84B78.743,400Positive News
LC
LendingClub
4.7538 of 5 stars
$12.10
+1.1%
$16.13
+33.3%
+47.1%$1.38B$824.03M27.501,002
LMND
Lemonade
2.3702 of 5 stars
$43.74
+4.0%
$28.17
-35.6%
+160.7%$3.20B$526.50M-14.391,235News Coverage
Analyst Forecast
SHG
Shinhan Financial Group
4.8086 of 5 stars
$45.17
+1.9%
N/A+24.5%$22.40B$24.56B5.88190Gap Up
BSBR
Banco Santander Brasil
3.2066 of 5 stars
$5.46
+2.6%
$5.35
-2.0%
+9.7%$20.32B$25.44B6.7452,600
CFG
Citizens Financial Group
4.8882 of 5 stars
$44.79
+0.8%
$47.89
+6.9%
+32.4%$19.58B$7.77B14.2217,287Analyst Forecast
Analyst Revision
BAP
Credicorp
4.2301 of 5 stars
$223.46
-0.2%
$211.00
-5.6%
+40.3%$17.77B$7.00B12.1538,000News Coverage
BCH
Banco De Chile
2.5416 of 5 stars
$30.35
+2.3%
$23.00
-24.2%
+29.3%$15.33B$4.21B10.6111,614

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This page (NASDAQ:UPST) was last updated on 7/4/2025 by MarketBeat.com Staff
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