EPAM Systems Inc vs SoFi Technologies Inc — how do they compare? EPAM Systems Inc trades at $113.91 (market cap $5.87B), while SoFi Technologies Inc trades at $15.78 (market cap $20.16B). The key difference: SoFi Technologies Inc is far larger — about 3.4× EPAM Systems Inc's market cap, and EPAM Systems Inc is trading nearer its 52-week high, SoFi Technologies Inc nearer its low. Which is the better fit depends on your goals — on Pluang, investors hold EPAM Systems Inc for 37 Days and SoFi Technologies Inc for 60 Days on average.
| EPAM | SOFI | |
|---|---|---|
Market Cap | $5.87B | $20.16B |
Volume | 847,420 | 49,646,331 |
Sector | Technology | Financials |
52-Week High | $221.40 | $32.21 |
52-Week Low | $76.04 | $15.15 |
Typical Hold Time | 37 Days | 60 Days |
Enterprise Value | $5.24B | $20.30B |
Signals from Pluang's Aura AI — not financial advice
EPAM trades at $108.32, down 0.91% on the day, with a bearish technical signal but solid fundamentals including a P/E of 15.45 and three consecutive quarterly EPS beats. Revenue grew to $5.46B in 2025, though net income margin compressed to 6.92%. Recent news highlights AI-native revenue growth exceeding 11% and activist investor Engine Capital urging a $750M share buyback.
The stock appears undervalued with a consensus price target of $119, offering ~10% upside, but faces near-term headwinds from slower North American growth and AI disruption to legacy services. Investor sentiment is mixed, balancing strong analyst support (59% buy ratings) against technical weakness and competitive pressures.
SOFI Technologies stock trades at $15.66, down 0.64% on the day, with a bearish technical signal from moving averages and oscillators. The company reported strong earnings beats in recent quarters, with Q3 2026 results expected soon. Revenue has grown from $1.6B in 2022 to $3.6B in 2025, though net income margins have fluctuated. Analyst consensus is a Buy with a $21.58 price target, but technical indicators suggest near-term pressure.
The outlook for SOFI is mixed: strong fundamentals and growth potential are offset by technical weakness and competitive risks. Investment opportunity lies in its revenue trajectory and market position, but investors face risks from execution challenges and interest rate sensitivity. The stock's current valuation metrics indicate premium pricing relative to peers, requiring careful monitoring of upcoming earnings.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
EPAM Systems Inc provides software product development and digital platform engineering services to clients located around the world. The company services include Software Product Development, Custom Application Development, Application Testing, Enterprise Application Platforms, Application Maintenance, and Support and Infrastructure Management. The company focuses on innovative and scalable software solutions. The company uses industry standard and custom developed technology, tools, and platforms to deliver results to handle business challenges. The company primarily offers its solutions in the following industries: financial services, travel and consumer, software and hi-tech, life sciences and healthcare. The majority of revenue is generated from North American clients.
Read more on EPAM →SoFi is a financial services company that was founded in 2011 and is currently based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020 the company also offers payment and account services for debit cards and digital banking.
Read more on SOFI →