Compare SoFi Technologies Inc (SOFI) vs Upstart Holdings Inc (UPST) Price & Performance
Price performance (Past 24H)
Key statistics
Key statistics
SoFi Technologies Inc vs Upstart Holdings Inc — how do they compare? SoFi Technologies Inc trades at $15.74 (market cap $20.23B), while Upstart Holdings Inc trades at $24.31 (market cap $2.34B). The key difference: SoFi Technologies Inc is far larger — about 8.6× Upstart Holdings Inc's market cap, and SoFi Technologies Inc is more actively traded (32,692,405 versus 3,171,869). Which is the better fit depends on your goals — on Pluang, investors hold SoFi Technologies Inc for 60 Days and Upstart Holdings Inc for 39 Days on average.
| SOFI | UPST | |
|---|---|---|
Market Cap | $20.23B | $2.34B |
Volume | 32,692,405 | 3,171,869 |
Sector | Financials | Financials |
52-Week High | $32.21 | $52.74 |
52-Week Low | $15.15 | $22.81 |
Typical Hold Time | 60 Days | 39 Days |
Enterprise Value | $20.37B | $3.87B |
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
Aura AI Summary
Signals from Pluang's Aura AI — not financial advice
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.
UPST trades at $24.02, up 0.67% on the day, but remains in a bearish technical trend. The company reported revenue of $1.02B for 2025 with a net income of $53.60M, marking a return to profitability after prior losses. Recent earnings have missed expectations, and cash flow from operations turned negative in 2025. Analyst sentiment is mixed with a consensus price target of $39.50, but technical indicators and recent price action near support levels reflect ongoing investor caution.
The outlook for UPST hinges on its ability to sustain revenue growth and improve earnings consistency amid a challenging credit environment. Opportunities exist if AI-driven lending gains scale, but risks include volatile cash flows, high debt levels, and sensitivity to economic cycles. The stock's current valuation leaves room for upside if execution improves, but near-term pressure persists.
Returns comparison
Trailing returns across standard periods
Returns comparison
Trailing returns across standard periods
Investor sentiment on Pluang
What Pluang investors did over the last 30 days
Investor sentiment on Pluang
What Pluang investors did over the last 30 days
Top news
Latest headlines on both assets
Top news
Latest headlines on both assets
About SoFi Technologies Inc
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 →About Upstart Holdings Inc
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The revenue of the company is primarily comprised of fees paid by banks.
Read more on UPST →
