Upstart (UPST) Competitors $55.00 -0.14 (-0.25%) Closing price 04:00 PM EasternExtended Trading$55.12 +0.13 (+0.23%) 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. CFG, BSBR, SHG, BAP, AFRM, BCH, SOFI, BSAC, ALLY, and CIBShould you be buying Upstart stock or one of its competitors? The main competitors of Upstart include Citizens Financial Group (CFG), Banco Santander (Brasil) (BSBR), Shinhan Financial Group (SHG), Credicorp (BAP), Affirm (AFRM), Banco de Chile (BCH), SoFi Technologies (SOFI), Banco Santander-Chile (BSAC), Ally Financial (ALLY), and Bancolombia (CIB). These companies are all part of the "banking" industry. Upstart vs. Citizens Financial Group Banco Santander (Brasil) Shinhan Financial Group Credicorp Affirm Banco de Chile SoFi Technologies Banco Santander-Chile Ally Financial Bancolombia Citizens Financial Group (NYSE:CFG) and Upstart (NASDAQ:UPST) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, media sentiment, risk, institutional ownership, community ranking, profitability, analyst recommendations, valuation and dividends. Does the MarketBeat Community believe in CFG or UPST? Citizens Financial Group received 480 more outperform votes than Upstart when rated by MarketBeat users. Likewise, 61.94% of users gave Citizens Financial Group an outperform vote while only 32.20% of users gave Upstart an outperform vote. CompanyUnderperformOutperformCitizens Financial GroupOutperform Votes53761.94% Underperform Votes33038.06% UpstartOutperform Votes5732.20% Underperform Votes12067.80% Which has stronger earnings & valuation, CFG or UPST? Citizens Financial Group has higher revenue and earnings than Upstart. Upstart is trading at a lower price-to-earnings ratio than Citizens Financial Group, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCitizens Financial Group$7.79B2.37$1.51B$3.0313.94Upstart$628.83M8.20-$128.58M-$1.46-37.67 Is CFG or UPST more profitable? Citizens Financial Group has a net margin of 12.21% compared to Upstart's net margin of -20.20%. Citizens Financial Group's return on equity of 6.75% beat Upstart's return on equity.Company Net Margins Return on Equity Return on Assets Citizens Financial Group12.21% 6.75% 0.68% Upstart -20.20%-25.87%-7.95% Do insiders and institutionals hold more shares of CFG or UPST? 94.9% of Citizens Financial Group shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 0.7% of Citizens Financial Group shares are owned by insiders. Comparatively, 18.1% of Upstart shares are owned 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. Which has more risk & volatility, CFG or UPST? Citizens Financial Group has a beta of 1.06, indicating that its share price is 6% more volatile than the S&P 500. Comparatively, Upstart has a beta of 2.25, indicating that its share price is 125% more volatile than the S&P 500. Do analysts rate CFG or UPST? Citizens Financial Group currently has a consensus target price of $48.67, suggesting a potential upside of 15.21%. Upstart has a consensus target price of $73.38, suggesting a potential upside of 33.43%. Given Upstart's higher probable upside, analysts plainly believe Upstart is more favorable than Citizens Financial Group.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Citizens Financial Group 0 Sell rating(s) 8 Hold rating(s) 9 Buy rating(s) 1 Strong Buy rating(s) 2.61Upstart 2 Sell rating(s) 7 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.21 Does the media favor CFG or UPST? In the previous week, Citizens Financial Group had 19 more articles in the media than Upstart. MarketBeat recorded 25 mentions for Citizens Financial Group and 6 mentions for Upstart. Citizens Financial Group's average media sentiment score of 0.57 beat Upstart's score of 0.19 indicating that Citizens Financial Group is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Citizens Financial Group 12 Very Positive mention(s) 1 Positive mention(s) 3 Neutral mention(s) 4 Negative mention(s) 0 Very Negative mention(s) Positive Upstart 1 Very Positive mention(s) 1 Positive mention(s) 3 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral SummaryCitizens Financial Group beats Upstart on 15 of the 19 factors compared between the two stocks. Remove Ads 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 {thisCompany.Symbol} 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 ExcelMetricUpstartNondepository credit institutions IndustryFinance SectorNASDAQ ExchangeMarket Cap$5.15B$7.60B$11.49B$8.32BDividend YieldN/A4.21%5.57%4.02%P/E Ratio-37.6716.7822.8719.25Price / Sales8.2010.2225.7294.10Price / CashN/A42.1517.6134.64Price / Book8.142.412.804.46Net Income-$128.58M$524.31M$1.03B$247.07M7 Day Performance15.09%23.87%1.68%3.06%1 Month Performance-17.80%12.91%496.29%-2.85%1 Year Performance110.65%19.59%540.37%4.64% Upstart Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UPSTUpstart4.47 of 5 stars$55.00-0.3%$73.38+33.4%+112.1%$5.15B$628.83M-37.671,880News CoverageCFGCitizens Financial Group4.7807 of 5 stars$40.97+0.7%$49.22+20.1%+20.3%$17.86B$7.79B13.4917,287Analyst ForecastBSBRBanco Santander (Brasil)3.676 of 5 stars$4.78+3.6%$5.35+12.0%-16.2%$17.77B$48.52B5.9052,600Negative NewsSHGShinhan Financial Group4.8837 of 5 stars$32.70+2.3%N/A-10.9%$16.45B$20.08T5.13190Positive NewsBAPCredicorp3.5649 of 5 stars$192.10+1.4%$195.67+1.9%+10.7%$15.25B$21.24B10.4337,000News CoveragePositive NewsAFRMAffirm3.9425 of 5 stars$46.21-7.7%$70.24+52.0%+45.8%$15.01B$2.80B-72.592,006Analyst UpgradeHigh Trading VolumeBCHBanco de Chile2.53 of 5 stars$28.30+2.2%$23.00-18.7%+27.0%$14.30B$3.04T11.2812,300Positive NewsSOFISoFi Technologies1.7845 of 5 stars$12.39+2.4%$12.50+0.9%+87.9%$13.66B$2.61B33.664,400BSACBanco Santander-Chile2.071 of 5 stars$23.45+2.0%$21.33-9.0%+19.5%$11.05B$2.60T12.099,990ALLYAlly Financial4.9948 of 5 stars$34.42+1.0%$43.76+27.2%-3.5%$10.56B$8.90B13.2311,600Analyst DowngradeAnalyst RevisionNews CoverageCIBBancolombia1.2811 of 5 stars$43.90+1.8%$39.25-10.6%+24.2%$10.55B$27.58T6.9634,756 Remove Ads Related Companies and Tools Related Companies Citizens Financial Group Alternatives Banco Santander (Brasil) Alternatives Shinhan Financial Group Alternatives Credicorp Alternatives Affirm Alternatives Banco de Chile Alternatives SoFi Technologies Alternatives Banco Santander-Chile Alternatives Ally Financial Alternatives Bancolombia 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 3/25/2025 by MarketBeat.com Staff From Our PartnersYour Wealth is Under AttackPlease don't wait—this is your moment to take action. 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