Upstart (UPST) Competitors $61.58 -3.72 (-5.70%) Closing price 04:00 PM EasternExtended Trading$60.70 -0.88 (-1.43%) 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, SHG, CFG, BAP, BSBR, 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), Citizens Financial Group (CFG), Credicorp (BAP), Banco Santander Brasil (BSBR), and Banco De Chile (BCH). Upstart vs. Its Competitors Affirm SoFi Technologies Fair Isaac LendingClub Lemonade Shinhan Financial Group Citizens Financial Group Credicorp Banco Santander Brasil Banco De Chile Affirm (NASDAQ:AFRM) and Upstart (NASDAQ:UPST) are both banking companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, valuation, media sentiment, analyst recommendations, earnings, institutional ownership and profitability. Do institutionals & insiders hold more shares of AFRM or UPST? 69.3% of Affirm shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 11.8% of Affirm shares are held by company insiders. Comparatively, 16.7% of Upstart shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth. Do analysts rate AFRM or UPST? Affirm currently has a consensus target price of $68.74, indicating a potential downside of 6.93%. Upstart has a consensus target price of $77.85, indicating a potential upside of 26.41%. Given Upstart's higher probable upside, analysts plainly believe Upstart is more favorable than Affirm.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Affirm 0 Sell rating(s) 11 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.67Upstart 1 Sell rating(s) 8 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.29 Which has more volatility and risk, AFRM or UPST? Affirm has a beta of 3.63, indicating that its share price is 263% more volatile than the S&P 500. Comparatively, Upstart has a beta of 2.39, indicating that its share price is 139% more volatile than the S&P 500. Does the media favor AFRM or UPST? In the previous week, Upstart had 5 more articles in the media than Affirm. MarketBeat recorded 10 mentions for Upstart and 5 mentions for Affirm. Upstart's average media sentiment score of 0.77 beat Affirm's score of 0.60 indicating that Upstart is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Affirm 1 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Positive Upstart 6 Very Positive mention(s) 0 Positive mention(s) 3 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Which has preferable earnings and valuation, AFRM or UPST? Upstart has lower revenue, but higher earnings than Affirm. Upstart is trading at a lower price-to-earnings ratio than Affirm, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioAffirm$2.32B10.26-$517.76M-$0.21-351.71Upstart$636.53M9.31-$128.58M-$0.08-769.75 Is AFRM or UPST more profitable? Upstart has a net margin of -0.75% compared to Affirm's net margin of -2.07%. Affirm's return on equity of -2.22% beat Upstart's return on equity.Company Net Margins Return on Equity Return on Assets Affirm-2.07% -2.22% -0.61% Upstart -0.75%-5.95%-1.75% SummaryAffirm beats Upstart on 10 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$6.28B$7.69B$12.37B$9.80BDividend YieldN/A4.78%5.56%4.08%P/E Ratio-769.7517.1419.5625.12Price / Sales9.316.1225.68109.31Price / CashN/A24.7921.8259.16Price / Book8.214.472.296.24Net Income-$128.58M$311.02M$1.01B$265.56M7 Day Performance-2.89%-3.67%-0.24%0.90%1 Month Performance-21.41%-5.14%0.43%1.88%1 Year Performance52.16%24.16%539.61%20.09% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart4.6714 of 5 stars$61.58-5.7%$77.85+26.4%+77.4%$6.28B$636.53M-769.751,193Insider TradeAFRMAffirm2.1281 of 5 stars$72.97+0.9%$68.09-6.7%+175.0%$23.54B$3.01B-347.482,006News CoverageAnalyst DowngradeSOFISoFi Technologies2.587 of 5 stars$22.43+1.5%$18.29-18.4%+246.1%$24.79B$3.05B46.735,000Trending NewsFICOFair Isaac4.9879 of 5 stars$1,309.09-0.9%$2,163.14+65.2%-22.8%$31.42B$1.72B51.203,586Positive NewsAnalyst ForecastLCLendingClub4.2199 of 5 stars$14.89-0.7%$16.57+11.3%+46.2%$1.71B$787.01M23.261,002Positive NewsLMNDLemonade3.2546 of 5 stars$52.29+6.8%$30.50-41.7%+252.8%$3.86B$526.50M-18.481,235Analyst ForecastSHGShinhan Financial Group4.7733 of 5 stars$49.71-0.9%N/A+17.9%$24.14B$17.65T4.98190Positive NewsShort Interest ↓CFGCitizens Financial Group4.7969 of 5 stars$46.94-0.7%$51.53+9.8%+17.8%$20.25B$12.36B14.2717,287News CoveragePositive NewsBAPCredicorp3.9575 of 5 stars$249.41+0.1%$227.25-8.9%+52.1%$19.84B$7.00B13.5638,000News CoveragePositive NewsEarnings ReportShort Interest ↑BSBRBanco Santander Brasil3.998 of 5 stars$4.94-0.5%$5.35+8.4%-9.7%$18.37B$25.44B6.0955,646Short Interest ↑Gap DownBCHBanco De Chile2.5595 of 5 stars$28.77-0.8%$23.00-20.1%+18.8%$14.53B$3.01T10.2411,614Positive NewsShort Interest ↓ Related Companies and Tools Related Companies Affirm Alternatives SoFi Technologies Alternatives Fair Isaac Alternatives LendingClub Alternatives Lemonade Alternatives Shinhan Financial Group Alternatives Citizens Financial Group Alternatives Credicorp Alternatives Banco Santander Brasil 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 8/19/2025 by MarketBeat.com Staff From Our PartnersTrump’s national nightmare is herePorter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...Porter & Company | SponsoredThis is my Christian duty“This land I will give to you…” — a 4,000-year-old line from Genesis may hold the key to unlocking a $150 tril...Paradigm Press | SponsoredAlex’s “Next Magnificent Seven” stocksThe original “Magnificent Seven” turned $7K into $1.18 million. 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