Upstart (UPST) Competitors $82.70 -1.43 (-1.70%) Closing price 04:00 PM EasternExtended Trading$82.88 +0.17 (+0.21%) As of 07:59 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, RKT, SYF, BBDO, IX, and SHGShould 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), Rocket Companies (RKT), Synchrony Financial (SYF), Banco Bradesco (BBDO), Orix Corp Ads (IX), and Shinhan Financial Group (SHG). Upstart vs. Its Competitors Affirm SoFi Technologies Fair Isaac LendingClub Lemonade Rocket Companies Synchrony Financial Banco Bradesco Orix Corp Ads Shinhan Financial Group Upstart (NASDAQ:UPST) and Affirm (NASDAQ:AFRM) are both banking companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, risk, profitability, dividends, earnings, valuation, institutional ownership and media sentiment. Which has more risk and volatility, 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. Which has stronger earnings & valuation, 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$636.53M12.36-$128.58M-$0.75-110.27Affirm$2.32B9.14-$517.76M-$0.21-313.43 Does the media refer more to UPST or AFRM? In the previous week, Affirm had 1 more articles in the media than Upstart. MarketBeat recorded 4 mentions for Affirm and 3 mentions for Upstart. Affirm's average media sentiment score of 0.32 beat Upstart's score of -0.25 indicating that Affirm 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) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Affirm 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Do analysts prefer UPST or AFRM? Upstart presently has a consensus price target of $71.62, indicating a potential downside of 13.40%. Affirm has a consensus price target of $67.82, indicating a potential upside of 3.04%. Given Affirm's stronger consensus rating and higher probable 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) 18 Buy rating(s) 1 Strong Buy rating(s) 2.74 Do insiders and institutionals have more ownership in UPST or AFRM? 63.0% of Upstart shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 16.7% of Upstart shares are owned by company insiders. Comparatively, 11.8% of Affirm 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. 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 13 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$8.00B$8.01B$12.32B$9.48BDividend YieldN/A4.68%5.53%3.99%P/E Ratio-110.2719.0119.0619.95Price / Sales12.364.7726.05102.66Price / CashN/A21.8321.8458.97Price / Book11.922.792.275.90Net Income-$128.58M$314.15M$998.01M$258.42M7 Day Performance6.60%3.25%0.79%1.94%1 Month Performance27.53%17.46%3.81%12.02%1 Year Performance230.54%27.94%541.45%20.81% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart3.5808 of 5 stars$82.70-1.7%$71.62-13.4%+204.5%$8.00B$636.53M-110.271,193News CoverageAFRMAffirm2.5755 of 5 stars$64.03-1.1%$65.90+2.9%+123.7%$20.66B$2.32B-304.902,006Analyst ForecastSOFISoFi Technologies2.0094 of 5 stars$21.33+0.6%$16.41-23.1%+190.2%$23.58B$2.80B52.035,000Trending NewsUpcoming EarningsInsider TradeFICOFair Isaac4.9494 of 5 stars$1,545.57+0.1%$2,263.29+46.4%-5.7%$37.62B$1.72B66.563,586Upcoming EarningsLCLendingClub4.705 of 5 stars$12.69-0.1%$16.13+27.1%+24.0%$1.45B$787.01M28.831,002Upcoming EarningsLMNDLemonade2.2761 of 5 stars$40.29+5.5%$30.50-24.3%+84.0%$2.95B$526.50M-13.251,235Upcoming EarningsRKTRocket Companies1.7759 of 5 stars$13.97+2.1%$14.46+3.5%+6.8%$27.93B$4.59B-465.5014,200Trending NewsUpcoming EarningsAnalyst ForecastOptions VolumeSYFSynchrony Financial4.9624 of 5 stars$70.93+0.5%$70.63-0.4%+42.0%$27.00B$22.65B9.7320,000Trending NewsEarnings ReportDividend AnnouncementAnalyst ForecastAnalyst RevisionBBDOBanco Bradesco1.7101 of 5 stars$2.53-1.6%N/A+20.7%$26.92B$37.55B7.9188,400Positive NewsUpcoming EarningsIXOrix Corp Ads4.082 of 5 stars$22.72+0.4%N/A-1.9%$25.89B$1.83T11.2633,982Positive NewsSHGShinhan Financial Group4.8466 of 5 stars$51.23+3.3%N/A+26.5%$25.40B$17.65T6.67190News CoveragePositive NewsUpcoming EarningsHigh Trading Volume Related Companies and Tools Related Companies Affirm Alternatives SoFi Technologies Alternatives Fair Isaac Alternatives LendingClub Alternatives Lemonade Alternatives Rocket Companies Alternatives Synchrony Financial Alternatives Banco Bradesco Alternatives Orix Corp Ads Alternatives Shinhan Financial Group 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 7/24/2025 by MarketBeat.com Staff From Our PartnersElon Just Fired the IRS Agents Targeting Your SavingsElon Musk just fired 6,700 IRS agents — and exposed a war on your retirement. 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