SoFi Technologies Inc vs STMicroelectronics NV — how do they compare? SoFi Technologies Inc trades at $15.76 (market cap $20.16B), while STMicroelectronics NV trades at $52.05 (market cap $48.14B). The key difference: STMicroelectronics NV is far larger — about 2.4× SoFi Technologies Inc's market cap, and STMicroelectronics NV pays a 0.68% dividend while SoFi Technologies Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold SoFi Technologies Inc for 60 Days and STMicroelectronics NV for 66 Days on average.
| SOFI | STM | |
|---|---|---|
Market Cap | $20.16B | $48.14B |
Volume | 49,646,331 | 9,776,015 |
Sector | Financials | Technology |
52-Week High | $32.21 | $79.91 |
52-Week Low | $15.15 | $21.20 |
Typical Hold Time | 60 Days | 66 Days |
Enterprise Value | $20.30B | $45.66B |
Dividend Yield | — | 0.68% |
Signals from Pluang's Aura AI — not financial advice
SoFi Technologies (SOFI) trades at $15.66, down 0.64% on the day and near its 52-week low, reflecting bearish technical signals. The company reported strong revenue growth to $3.61 billion in 2025 with a net income of $481.32 million, but negative operating cash flow and high leverage remain concerns. Analyst sentiment is mixed with a consensus price target of $21.58, implying significant upside, while recent news highlights growth in loan originations and stablecoin initiatives.
The outlook for SOFI hinges on sustaining profitability amid competitive pressures and interest rate sensitivity. Upside potential exists from execution on guidance and market share gains, but risks include persistent cash burn and macroeconomic headwinds. Investors should weigh the growth trajectory against valuation premiums and operational challenges.
STM trades at $56.18, down 4.33% today, with a bullish technical signal from moving averages. The company shows mixed fundamentals with declining revenue from $17.3B in 2023 to $11.8B in 2025 and negative net income margin of -0.39%, though Q2 2026 earnings beat expectations. Analyst consensus is bullish with a $77.31 price target, and recent news highlights AI data-center revenue potential exceeding $2B by 2027.
Outlook is cautiously optimistic driven by AI and automotive growth catalysts, but risks include profitability challenges and competitive pressures. The stock offers 37% upside to consensus target if execution improves, though investors should monitor margin recovery and debt levels amid volatile semiconductor cycles.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
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 →A merger between Italian firm SGS Microelettronica and the nonmilitary business of Thomson Semiconductors in France formed STMicroelectronics in 1987. STMicro is a leader in a variety of semiconductor products, including analog chips, discrete power semiconductors, microcontrollers, and sensors. STMicro is an especially prominent chip supplier into the industrial and automotive industries.
Read more on STM →