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 10 times as much as Upstart ($19.9B against $1.9B).
On earnings, SoFi Technologies is cheaper: it trades at 28.0× trailing earnings, against 39.9× for Upstart.
Upstart grew revenue faster over the last twelve months (46.3% versus 5.5% for SoFi Technologies).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 120% compared with 4.8% at Upstart.
Upstart scores higher on the StockData Score (12 against 10 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 | $19.9B | $1.9B |
| Share price | $15.42 | $19.56 |
| Change, 1 year | −52.1% | −50.6% |
| Change, 5 years | −24.3% | −90.5% |
| Beta (5Y) | 2.05 | 3.17 |
| Employees | 6,100 | 1,405 |
| StockData Score | ||
| Total score | 10 | 12 (better) |
| Valuation score | 1 | 2 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 3 | 5 (better) |
| Health score | 4 | 4 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 28.0× (better) | 39.9× |
| P/S | 32.3× | 1.5× (better) |
| P/B | 1.8× (better) | 2.4× |
| EV/EBITDA | – | 19.2× |
| FCF yield | −52.9% | −15.2% (better) |
| Fair value | $14.32 | $22.37 |
| Margin of safety | −7.7% | 12.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 5.5% | 46.3% (better) |
| Revenue growth, 5Y average | 43.1% (better) | 34.9% |
| Net income growth (TTM) | 15.2% | – |
| EPS growth (TTM) | 3.8% | – |
| Profitability | ||
| Gross margin | −20.4% | – |
| Operating margin | – | 4.0% |
| Net margin | 120% (better) | 4.8% |
| FCF margin | −1709% | −23.2% (better) |
| Return on equity | 7.4% | 7.9% (better) |
| Return on invested capital | – | 21.7% |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Altman Z-score | 0.22 | 0.77 (better) |
| Piotroski F-score | 3 | 4 (better) |
| Dividends and buybacks | ||
| Dividend yield | 0.00% | – |
| Years of dividend growth | 0 | – |
| Buyback yield | −7.9% | – |
| Shareholder yield | −7.9% | 0.00% (better) |
| Ownership | ||
| Held by institutions | 50.7% | 60.0% |
| Held by insiders | 6.9% | 12.3% |
| Insider net buying, 12 months | −$7.8M | $1.1M (better) |
| Superinvestors holding | 1 | 1 |
| Short interest, % of float | 18.6% | 31.1% |
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.