SoFi Technologies vs Upstart
SOFI and UPST side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How SOFI and UPST compare
SoFi Technologies is the larger company, worth 9.7 times as much as Upstart ($21.6B against $2.2B).
On earnings, SoFi Technologies is cheaper: it trades at 34.9× trailing earnings, against 47.0× for Upstart.
Upstart grew revenue faster over the last twelve months (46.3% versus 9.2% for SoFi Technologies).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 104% compared with 4.8% at Upstart.
Upstart scores higher on the StockData Score (11 against 9 for SoFi Technologies), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | SOFI | UPST |
|---|---|---|
| Size and price | ||
| Market cap | $21.6B | $2.2B |
| Share price | $16.76 | $23.02 |
| Change, 1 year | −45.8% | −52.8% |
| Change, 5 years | −25.7% | −93.1% |
| Beta (5Y) | 2.09 | 3.21 |
| Employees | 6,100 | 1,405 |
| StockData Score | ||
| Total score | 9 | 11 (better) |
| Valuation score | 0 | 1 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 3 | 5 (better) |
| Health score | 4 | 4 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 34.9× (better) | 47.0× |
| P/S | 35.5× | 1.8× (better) |
| P/B | 2.0× (better) | 2.8× |
| EV/EBITDA | – | 23.7× |
| FCF yield | −40.6% | −12.9% (better) |
| Fair value | $9.58 | $15.98 |
| Margin of safety | −74.9% | −44.1% (better) |
| Growth | ||
| Revenue growth (TTM) | 9.2% | 46.3% (better) |
| Revenue growth, 5Y average | 43.1% (better) | 34.9% |
| Net income growth (TTM) | 13.3% | – |
| EPS growth (TTM) | 2.1% | – |
| Profitability | ||
| Gross margin | −13.8% | – |
| Operating margin | – | 4.0% |
| Net margin | 104% (better) | 4.8% |
| FCF margin | −1441% | −23.2% (better) |
| Return on equity | 7.1% | 7.9% (better) |
| Return on invested capital | – | 21.7% |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Altman Z-score | 0.26 | 0.86 (better) |
| Piotroski F-score | 3 | 4 (better) |
| Dividends and buybacks | ||
| Dividend yield | 0.00% | – |
| Years of dividend growth | 0 | – |
| Buyback yield | −15.1% | – |
| Shareholder yield | −15.1% | 0.00% (better) |
| Ownership | ||
| Held by institutions | 50.7% | 60.0% |
| Held by insiders | 6.9% | 12.3% |
| Insider net buying, 12 months | −$9.1M | $4.2M (better) |
| Superinvestors holding | 1 | 1 |
| Short interest, % of float | 17.9% | 33.5% |
Go deeper
- SOFI stock overview
- SOFI income statement
- SOFI valuation and score
- UPST stock overview
- UPST income statement
- UPST valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.