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SoFi Technologies vs Upstart
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SOFI vs UPST: the verdict
How SOFI and UPST compare today, and what CleaRank Financial AI makes of it.
The verdict
CleaRank Financial AI favours
SOFI
SOFI
UPST
49/100
AI score
45/100
-45.3%
1-year change
-56.3%
61.8%
Volatility (30d, yearly)
49.2%
57.4
RSI (14-day)
41.0
33.5x
P/E ratio
46.0x
None
Dividend yield
None
The verdict
SoFi Technologies (SOFI) comes out ahead on CleaRank's model, scoring 49/100 (Hold) against 45/100 (Hold) for Upstart Holdings (UPST).
Outlook
UPST would need to regain its 50-day average at $25.78 and its 200-day at $30.34 to turn its downtrend.
Price, side by side
Both prices start at 0% on the first day of the period you pick, so the moves compare directly.
Rebased price
-15%-10%-5%0%+5%-3.4%-13%
Oct '26
-10%0%+10%-14%-16%
Aug '26Sep '26Oct '26
-30%-20%-10%0%+10%-23%-31%
May '26Jun '26Jul '26Aug '26Sep '26Oct '26
-60%-40%-20%0%-50%-56%
Nov '25Jan '26Mar '26Jun '26Aug '26Oct '26
0%+100%+200%+300%+94%-43%
Sep '24Feb '25Jul '25Dec '25May '26Oct '26
Over 1 year: SOFI lost 50.2% and UPST lost 56.3%, a gap of 6.2 points in SOFI's favour.
Valuation and profitability
What each costs relative to its earnings and sales, and how much of its revenue it keeps.
Side by side
Valuation
Lower multiples mean you pay less for each dollar of earnings or sales.
SOFI
UPST
$21.2B
Market cap
$2.3B
33.5x
P/E ratio
46.0x
5.0x
Price / sales
1.9x
1.7x
Price / book
2.9x
N/A
EV / EBITDA
34.0x
Profitability
How much of each dollar of revenue becomes profit, and how hard the capital works.
SOFI
UPST
+42.5%
Revenue growth (quarter, y/y)
+41.7%
14.9%
Net margin
4.9%
7.1%
Return on equity
7.9%
1.2%
Return on assets
2.0%
0.31
Debt / equity
2.58
On valuation
UPST trades on the higher trailing P/E, 47.56 against 29.83 for SOFI. Both P/Es are at a premium to peers, against a Financial Services median of 16.5. On sales, SOFI is valued higher, at 4.42 times against 1.77.
On profitability
SOFI turns more of its sales into profit, posting a net margin of 14.91% compared with 4.92% for UPST. The return on equity runs the other way: UPST's 7.94% beats SOFI's 7.10%. Year on year, in the latest quarter, SOFI's revenue grew 42.54% and UPST's grew 41.75%. Neither stock has a dividend reported in our data.
Earnings reality check
SOFI
No reliable earnings figures in our data.
UPST
UPST beat the estimate in 7 of its last 8 reports (latest Aug '26); the shares fell the next session after 5 of those beats.
Surprise
Next session
Feb '25Aug '25Feb '26Aug '26
Momentum and sentiment
The indicators behind each AI score, side by side.
Indicators side by side
SOFI
UPST
49/100
AI score
45/100
57.4
RSI (14-day)
41.0
-1.4%
Price against 50-day average
-10.8%
-8.5%
Price against 200-day average
-24.2%
Technicals
Its 14-day RSI is 38.3, in the bearish zone, with the MACD line negative. UPST is in a downtrend, trading 10.80% below its 50-day average and 24.19% below its 200-day average. Its 14-day RSI is 41.0, in the neutral zone, with the MACD line negative.
Sentiment
SOFI is covered by 25 analysts, of whom 10 rate it a buy, 11 a hold and 4 a sell. Their median target of $19.00 sits 31.4% above the current price. For UPST, 16 analysts have a rating: 8 buy, 7 hold and 1 sell. The median target there is $38.50, which is 67.4% above the price.
Risk and practical tips
How much each moves, how much return each has paid for that risk, and what to watch if you hold either.
Risk measures
SOFI
UPST
61.8%
Volatility (30d, yearly)
49.2%
2.33
Beta against the S&P 500
2.43
0.83
Sharpe ratio
0.07
Risk
UPST moves more on an average day, 2.99% against 2.39% for SOFI. Against the S&P 500, SOFI has a beta of 2.33 and UPST 2.43. Their worst falls in the price history were 82.2% for SOFI (February 2021 to December 2022) and 96.8% for UPST (October 2021 to December 2022). On these measures together, UPST is the riskier of the two.
ProTips
- For UPST, watch the 20-day EMA at $23.92 above the price and the 52-week low at $22.21 below it.
SOFI vs UPST: long-term scenarios
Simulated paths from each price history. A range of outcomes, not a forecast.
Simulated growth of $10,000
$10K$20K$30K$40K$50K$52.8K$43.4K$12.6K$10.4K
2026202820302031
SOFI
UPST
$3,005
Downside, 2031 (10th)
$2,471
$12,592
Base case, 2031 (median)
$10,357
$52,770
Upside, 2031 (90th)
$43,405
In the median simulated path, $10,000 in SOFI grows to about $12,600 and $10,000 in UPST to about $10,400 by 2031. The paths come from each asset's own historical volatility and trend; they are statistical outcomes, not forecasts.
Trade plans for both
Entry, stop and target levels from each moving average and its volatility. Educational, not advice.
Actionable Trade Plans
Select Your Trade Bias
Risk Tolerance
Conservative
3%
Aggressive
Portfolio Value
$
✎
Position Size: $200 - $300 per asset
SOFI
Current: $16.40
ENTRY ZONES
Conservative
$15.58
Aggressive
$16.40
RISK MANAGEMENT
STOP LOSS
$15.11
MAX LOSS
-3%
Volatility-Adjusted Stop Loss
Calculated based on volatility and technical support levels.
Profit Targets (Based on Conservative)
+5% from current
$17.22
+10% from current
$18.04
+15% from current
$18.86
UPST
Current: $23.00
ENTRY ZONES
Conservative
$21.85
Aggressive
$23.00
RISK MANAGEMENT
STOP LOSS
$21.19
MAX LOSS
-3%
Volatility-Adjusted Stop Loss
Calculated based on volatility and technical support levels.
Profit Targets (Based on Conservative)
+5% from current
$24.15
+10% from current
$25.30
+15% from current
$26.45
Calculate Your Trade
Disclaimer
The content is for educational purposes only. SOFI is the more volatile asset here, and volatile prices can move sharply in either direction. Trading involves risk of loss. Note: The AI favored SOFI based on a weighted view of valuation, momentum and risk, on today's data.
SOFI vs UPST: questions people ask
Answered from the figures on this page.
Frequently Asked Questions
Which is better, SOFI or UPST?+
On CleaRank's model SOFI scores higher, 49/100 (Hold) against 45/100 (Hold) for UPST. This describes the data on this page and is not a personal recommendation.
Which is cheaper on earnings, SOFI or UPST?+
Among the two, SOFI has the lower trailing P/E, at 29.83 compared with 47.56 for UPST.
Which is riskier, SOFI or UPST?+
UPST is the riskier of the two on the measures we track. Average daily move: 2.39% for SOFI, 2.99% for UPST. Beta against the S&P 500: 2.33 for SOFI, 2.43 for UPST. Worst fall in the price history: 82.2% for SOFI, 96.8% for UPST.
Which has stronger momentum right now, SOFI or UPST?+
The MACD line is negative for both. RSI readings above 70 or below 30 point to stretched momentum.
What do analysts say about SOFI and UPST?+
UPST has 8 buy ratings from 16 analysts, with a median target 67.4% above the price.
How have SOFI and UPST performed over the past year?+
Over the 12 months to October 27, 2026, SOFI's price fell 45.3% and UPST's fell 56.3%. These are price changes; dividends are not included.