SOFI vs UPST Stock Comparison: AI Score, Valuation, Performance and Upside
SoFi operates a diversified digital banking platform with a national bank charter, while Upstart focuses more narrowly on AI-driven credit underwriting technology for lending partners.
Investors weighing SoFi against Upstart are choosing between a diversified digital bank with multiple revenue streams and a more concentrated, higher-volatility AI lending technology platform.
SOFI holds the edge across 3 of 5 key metrics in this comparison. SOFI has delivered stronger 1-year price return (-18.95% vs -52.30%), though UPST has the better forward P/E setup (8.90x vs 23.03x for SOFI). SOFI leads on both revenue growth (42.60%) and operating margin (16.96%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for UPST (+33.99%) than for SOFI (+5.63%).
- Want diversified exposure to digital banking, lending, and investing products
- Value the stability of a national bank charter and lower-cost funding
- Believe in continued member and cross-sell growth
- Prefer a broader fintech platform over a single-product focus
- Believe in the long-term potential of AI-driven credit underwriting
- Can tolerate high volatility tied to loan origination volume swings
- Want concentrated exposure to a specific lending technology thesis
- Are comfortable with dependency on bank funding partners
| Metric | SOFI | UPST |
|---|---|---|
| AI score | 38.3 | 31.2 |
| AI rank | #1266 | #2179 |
| Latest close | $18.91 | $30.30 |
| 1M return | +10.78% | +5.80% |
| 6M return | -2.02% | -1.14% |
| 1Y return | -18.95% | -52.30% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | SOFI | UPST |
|---|---|---|
| 1Y ago | $8.11K (-18.9%) started 2025-08-21 | $4.77K (-52.3%) started 2025-08-21 |
| 5Y ago | $13.1K (+31.0%) started 2021-08-23 | $1.49K (-85.1%) started 2021-08-23 |
| 10Y ago | $15.5K (+55.0%) started 2021-01-04 | $10.28K (+2.8%) started 2020-12-16 |
Hypothetical — past performance does not guarantee future results.
| Metric | SOFI | UPST |
|---|---|---|
| Market cap | $24.42B | $2.95B |
| Trailing P/E | 38.59 | 58.27 |
| Forward P/E | 23.03 | 8.90 |
| Price/Sales | 5.72 | 2.29 |
| EV/Revenue | 5.73 | 3.54 |
| Analyst target | $19.98 | $40.60 |
| Target upside | +5.63% | +33.99% |
| Metric | SOFI | UPST |
|---|---|---|
| Revenue growth | 42.60% | 42.30% |
| Earnings growth | 40.40% | 211.20% |
| EPS growth | +40.40% | +211.20% |
| FCF margin | N/A | -10.30% |
| Operating margin | 16.96% | 7.20% |
| Profit margin | 14.91% | 4.69% |
| ROIC proxy | 7.09% | 7.94% |
| Return on equity | 7.09% | 7.94% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 2.20 | 2.17 |
| Debt/equity | 30.84 | 258.01 |
| Current ratio | 1.10 | 10.46 |
| Quick ratio | 0.46 | 2.39 |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | SOFI | UPST |
|---|---|---|---|
| 1Y | Growth | -18.95% | -52.30% |
| CAGR | -18.96% | -52.32% | |
| Sharpe ratio | -0.16 | -0.84 | |
| Max drawdown | 52.96% | 67.16% | |
| Max daily drop | 15.44% | 15.04% | |
| Max wkly drop | 20.11% | 19.77% | |
| 5Y | Growth | +31.05% | -85.07% |
| CAGR | +5.56% | -31.67% | |
| Sharpe ratio | 0.34 | 0.11 | |
| Max drawdown | 81.54% | 96.90% | |
| Max daily drop | 15.44% | 56.42% | |
| Max wkly drop | 24.27% | 70.08% | |
| 10Y | Growth | +55.00% | +2.82% |
| CAGR | +8.10% | +0.49% | |
| Sharpe ratio | 0.39 | 0.51 | |
| Max drawdown | 83.32% | 96.90% | |
| Max daily drop | 15.44% | 56.42% | |
| Max wkly drop | 24.27% | 70.08% |
| Category | SOFI | UPST |
|---|---|---|
| Company | SoFi Technologies, Inc. | Upstart Holdings, Inc. |
| Sector | Financial Technology / Digital Banking | Financial Technology / AI Lending |
| Industry | N/A | N/A |
| Core business | SoFi operates a digital financial services platform offering banking, lending, investing, and insurance products, anchored by a national bank charter. | Upstart operates an AI-driven lending platform that helps banks and credit unions assess borrower risk and originate personal, auto, and other consumer loans. |
| Investor focus | Watch member and product growth trends, along with the mix between higher-margin fee-based revenue and traditional lending income. | Watch loan origination volume trends and adoption of its AI underwriting model by bank and credit union partners. |
- National bank charter provides lower-cost funding and broader product flexibility
- Diversified revenue mix spanning lending, banking, and fee-based financial services
- Growing member base with expanding cross-sell opportunities
- AI-driven underwriting model aims to expand credit access beyond traditional scoring
- Asset-light model relies on bank partners rather than holding most loans itself
- Expanding into additional loan categories beyond its original personal loan focus
- Lending segment remains sensitive to credit cycles and interest rate changes
- Faces competition from both traditional banks and other fintech platforms
- Profitability is still maturing as newer business lines scale
- Loan origination volumes are highly sensitive to interest rate and credit cycles
- Revenue has shown significant volatility tied to macroeconomic lending conditions
- Reliance on bank funding partners creates dependency risk
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