SOFI vs UPST
SOFI: An all-in-one digital financial services platform that helps members borrow, save, spend, invest and protect their money through an integrated mobile app, while also offering fintech infrastructure to enterprise clients. UPST: AI-powered marketplace that reimagines consumer lending through proprietary machine learning models to deliver higher approval rates and lower interest rates than traditional FICO-based systems.
Side-by-side fundamentals
| Metric | SOFI | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $17.07 | $28.64 | |
| Market cap as of 2026-07-23 | $21.9B | $2.7B | |
| P/E as of 2026-07-23 | 37.95 | 55.49 | SOFI lower |
| PEG as of 2026-07-23 | 0.96 | 1.72 | SOFI lower |
| Net margin as of 2026-07-23 | -19.8% | +4.3% | UPST higher |
| Gross margin as of 2026-07-23 | n/a | +82.2% | |
| Operating margin as of 2026-07-23 | -19.9% | +4.1% | UPST higher |
| ROE as of 2026-07-23 | +6.3% | +7.3% | UPST higher |
| ROA as of 2026-07-23 | +1.2% | +2.0% | UPST higher |
| Debt / equity as of 2026-07-23 | 0.17 | 2.29 | SOFI lower |
| Revenue growth (YoY) as of 2026-07-23 | +205.5% | +57.7% | SOFI higher |
| Revenue CAGR (3y) SEC XBRL | +18.0% | +7.4% | SOFI higher |
| Dividend yield as of 2026-07-23 | +0.0% | n/a | |
| Dividend streak (yrs) SEC XBRL | 0 | n/a | |
| Beta as of 2026-07-23 | 2.22 | 2.21 | |
| 1-year return as of 2026-07-22 close | -18.6% | -64.2% | SOFI higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.