SoFi Technologies Inc vs Upwork Inc — how do they compare? SoFi Technologies Inc trades at $15.77 (market cap $20.16B), while Upwork Inc trades at $8.65 (market cap $1.07B). The key difference: SoFi Technologies Inc is far larger — about 18.8× Upwork Inc's market cap, and SoFi Technologies Inc is more actively traded (49,646,331 versus 2,574,130). Which is the better fit depends on your goals — on Pluang, investors hold SoFi Technologies Inc for 60 Days and Upwork Inc for 38 Days on average.
| SOFI | UPWK | |
|---|---|---|
Market Cap | $20.16B | $1.07B |
Volume | 49,646,331 | 2,574,130 |
Sector | Financials | Industrials |
52-Week High | $32.21 | $22.11 |
52-Week Low | $15.15 | $7.84 |
Typical Hold Time | 60 Days | 38 Days |
Enterprise Value | $20.30B | $833.01M |
Signals from Pluang's Aura AI — not financial advice
SoFi Technologies (SOFI) trades at $15.72, up 0.38% on the day, but remains near 52-week lows amid a bearish technical outlook. The company reported strong revenue growth, with 2025 revenue reaching $3.61 billion and net income of $481.32 million, though cash flow from operations remains negative. Analyst consensus is mixed with a $21.58 price target, but technical indicators signal caution.
SoFi's growth trajectory and improving profitability present long-term potential, but near-term risks include persistent negative operating cash flow, high valuation multiples, and sensitivity to interest rates. Execution on loan originations and stablecoin initiatives will be critical for stock performance.
Upwork (UPWK) trades at $8.62, up 2.62% today, with a bearish technical signal despite recent earnings beat. The company maintains strong profitability with 77.21% gross margins and 12.93% net income margin, though revenue growth has stalled at $787M for 2026. Recent insider selling and securities fraud investigations create headwinds, while analyst consensus remains positive with a $9.64 price target.
The stock presents a mixed outlook with attractive valuation metrics (P/E 10.99, P/S 1.48) offset by AI-driven competitive threats and declining active clients. Near-term resistance at $9 and support at $8 will be critical, with institutional accumulation by Bank of America providing some stability amid management selling.
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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 →Upwork Inc is a United States-based company that operates an online marketplace that enables businesses to find and work with highly-skilled independent professionals. The develops platform for hiring and freelancing purposes. Its products offering include Upwork Basic, Upwork Plus, Upwork Business, Upwork Enterprise, and Upwork Payroll. The business generates revenue from Talent and Clients across the USA, India, the Philippines and the rest of the world. Substantial income is derived from providing services to Clients.
Read more on UPWK →