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Upstart (UPST) Competitors

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$82.70 -1.43 (-1.70%)
Closing price 04:00 PM Eastern
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$82.88 +0.17 (+0.21%)
As of 07:59 PM Eastern
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UPST vs. AFRM, SOFI, FICO, LC, LMND, RKT, SYF, BBDO, IX, and SHG

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), Rocket Companies (RKT), Synchrony Financial (SYF), Banco Bradesco (BBDO), Orix Corp Ads (IX), and Shinhan Financial Group (SHG).

Upstart vs. Its Competitors

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.

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.

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$636.53M12.36-$128.58M-$0.75-110.27
Affirm$2.32B9.14-$517.76M-$0.21-313.43

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

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)
2.29
Affirm
0 Sell rating(s)
8 Hold rating(s)
18 Buy rating(s)
1 Strong Buy rating(s)
2.74

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.

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%

Summary

Affirm beats Upstart on 13 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$8.00B$8.01B$12.32B$9.48B
Dividend YieldN/A4.68%5.53%3.99%
P/E Ratio-110.2719.0119.0619.95
Price / Sales12.364.7726.05102.66
Price / CashN/A21.8321.8458.97
Price / Book11.922.792.275.90
Net Income-$128.58M$314.15M$998.01M$258.42M
7 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

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UPST
Upstart
3.5808 of 5 stars
$82.70
-1.7%
$71.62
-13.4%
+204.5%$8.00B$636.53M-110.271,193News Coverage
AFRM
Affirm
2.5755 of 5 stars
$64.03
-1.1%
$65.90
+2.9%
+123.7%$20.66B$2.32B-304.902,006Analyst Forecast
SOFI
SoFi Technologies
2.0094 of 5 stars
$21.33
+0.6%
$16.41
-23.1%
+190.2%$23.58B$2.80B52.035,000Trending News
Upcoming Earnings
Insider Trade
FICO
Fair Isaac
4.9494 of 5 stars
$1,545.57
+0.1%
$2,263.29
+46.4%
-5.7%$37.62B$1.72B66.563,586Upcoming Earnings
LC
LendingClub
4.705 of 5 stars
$12.69
-0.1%
$16.13
+27.1%
+24.0%$1.45B$787.01M28.831,002Upcoming Earnings
LMND
Lemonade
2.2761 of 5 stars
$40.29
+5.5%
$30.50
-24.3%
+84.0%$2.95B$526.50M-13.251,235Upcoming Earnings
RKT
Rocket Companies
1.7759 of 5 stars
$13.97
+2.1%
$14.46
+3.5%
+6.8%$27.93B$4.59B-465.5014,200Trending News
Upcoming Earnings
Analyst Forecast
Options Volume
SYF
Synchrony Financial
4.9624 of 5 stars
$70.93
+0.5%
$70.63
-0.4%
+42.0%$27.00B$22.65B9.7320,000Trending News
Earnings Report
Dividend Announcement
Analyst Forecast
Analyst Revision
BBDO
Banco Bradesco
1.7101 of 5 stars
$2.53
-1.6%
N/A+20.7%$26.92B$37.55B7.9188,400Positive News
Upcoming Earnings
IX
Orix Corp Ads
4.082 of 5 stars
$22.72
+0.4%
N/A-1.9%$25.89B$1.83T11.2633,982Positive News
SHG
Shinhan Financial Group
4.8466 of 5 stars
$51.23
+3.3%
N/A+26.5%$25.40B$17.65T6.67190News Coverage
Positive News
Upcoming Earnings
High Trading Volume

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This page (NASDAQ:UPST) was last updated on 7/24/2025 by MarketBeat.com Staff
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