SOFI vs UPST
SOFI: An integrated digital financial services "everything app" offering consumer banking, lending, investment products, and enterprise-grade technology infrastructure. UPST: Upstart is an AI-powered lending platform that replaces traditional credit scoring with machine learning to help banks approve more borrowers at lower rates.
Side-by-side fundamentals
| Metric | SOFI | UPST | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $15.61 | $24.19 | |
| Market cap | $20.2B | $2.4B | |
| P/E as of 2026-10-08 | 32.96 | 44.95 | SOFI lower |
| Net margin FY2025, SEC XBRL | +77.7% | +5.1% | SOFI higher |
| Operating margin FY2025, SEC XBRL | n/a | +4.1% | |
| ROE FY2025, SEC XBRL | +4.6% | +6.7% | UPST higher |
| ROA FY2025, SEC XBRL | +1.0% | +1.8% | UPST higher |
| Debt / equity as of 2026-09-02 | 0.30 | 2.51 | SOFI lower |
| Revenue growth (YoY) as of 2026-09-02 | n/a | +46.3% | |
| Revenue CAGR (3y) SEC XBRL | +18.0% | +7.4% | SOFI higher |
| Dividend yield | n/a | n/a | |
| Dividend streak (yrs) SEC XBRL | 0 | 0 | Tie |
| Beta as of 2026-09-02 | 2.33 | 2.63 | |
| 1-year return as of 2026-10-08 close | -44.3% | -53.3% | SOFI higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.