SoFi Technologies (SOFI) vs Upstart (UPST)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
SoFi Technologies (SOFI) has outperformed Upstart (UPST) over the past year, losing 44.3% versus a loss of 53.6%. Over five years, SOFI leads with a -19.2% price change compared with -93.8% for UPST. SoFi Technologies is the larger company by market cap ($20.16 billion vs $2.35 billion), about 8.6 times the size.
On valuation, Upstart trades at a lower forward P/E (7.0x vs 18.9x for SoFi Technologies).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | SOFI | UPST |
|---|---|---|
| Share price | $15.61 | $24.19 |
| Market cap | $20.16B | $2.35B |
| 1-day change | -0.32% | +0.71% |
| YTD return | -40.18% | -45.07% |
| 1-year return | -44.35% | -53.64% |
| 5-year return | -19.20% | -93.84% |
| P/E ratio (TTM) | 31.86 | 48.38 |
| Forward P/E | 18.93 | 6.96 |
| EPS (TTM) | $0.49 | $0.50 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $619.35M | — |
| Revenue growth (YoY) | +23.10% | — |
| Net income (latest FY) | $481.32M | — |
| Gross margin | 1.67% | — |
| Net margin | 77.71% | — |
| 52-week high | $32.73 | $55.22 |
| 52-week low | $14.88 | $22.56 |
| Distance from 52-week high | -52.31% | -56.19% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +30.24% | +65.36% |
| Average volume | 56.74M | 4.25M |
| Shares outstanding | 1.29B | 97.31M |
| Employees | 6,100 | 1,405 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- SoFi Technologies is about 8.6 times larger than Upstart by market value ($20.16B vs $2.35B).
- Upstart trades at a higher earnings multiple (48.4x vs 31.9x trailing P/E).
About SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
About Upstart
UPST stock →Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other.
Finance · Finance: Consumer Services · 1,405 employees
SOFI vs UPST FAQ
Which is bigger, SoFi Technologies or Upstart?
SoFi Technologies (SOFI) is larger, with a market capitalization of $20.16B compared with $2.35B for Upstart (UPST).
Which stock has performed better over the past year, SOFI or UPST?
SOFI returned -44.35% over the past 12 months, compared with -53.64% for UPST (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, SOFI or UPST?
SOFI has the lower trailing P/E at 31.9, versus 48.4 for UPST. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are SoFi Technologies and Upstart in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.