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 "@type": "clearank:AssetComparison",
 "url": "https://clearank.com/compare/sofi-vs-upstart/",
 "dataUrl": "https://clearank.com/compare/sofi-vs-upstart/data.json",
 "title": "SOFI vs UPST: Which Is the Better Buy? (2026)",
 "description": "SOFI or UPST? Compare SOFI vs UPST, daily AI-powered analysis with technical indicators, price targets, valuation, and a head-to-head verdict.",
 "headline": "SoFi Technologies vs Upstart",
 "published": "2026-09-03T09:35:27+00:00",
 "modified": "2026-09-11T15:57:44.24+00:00",
 "generated": "2026-09-11T21:00:39.168Z",
 "language": "en-US",
 "publisher": {
  "name": "CleaRank",
  "url": "https://clearank.com/"
 },
 "disclaimer": "Educational and informational only; not financial advice. AI-generated analysis reviewed by the CleaRank editorial team; prices delayed up to 15 minutes.",
 "assets": [
  {
   "ticker": "SOFI",
   "dataUrl": "https://clearank.com/stock/sofi-technologies-sofi/data.json"
  },
  {
   "ticker": "UPST",
   "dataUrl": "https://clearank.com/stock/upstart-holdings-upst/data.json"
  }
 ],
 "sections": [
  {
   "id": "verdict",
   "title": "Comparative Analysis",
   "text": [
    "SoFi Technologies (SOFI) wins this head-to-head comparison against Upstart Holdings (UPST), primarily driven by its superior valuation and stronger profitability metrics. While both companies operate in the fintech lending space and show comparable revenue growth, SOFI presents a more attractive valuation with a lower P/E ratio and a more robust net profit margin. SOFI's recent earnings performance also demonstrates a more consistent ability to meet or exceed estimates, contributing to its overall stronger financial profile. UPST, despite its potential, currently lags SOFI in key financial health indicators and exhibits more concerning technical signals. Therefore, SOFI is the preferred investment at this juncture.",
    "The primary differentiator between SoFi Technologies (SOFI) and Upstart Holdings (UPST) is SOFI's superior profitability and more reasonable valuation. SOFI's net profit margin is more than three times that of UPST, demonstrating a more effective business model in generating profit from its revenue. Coupled with a lower P/E ratio, SOFI offers a more compelling investment case for investors seeking value and profitability in the fintech lending space, whereas UPST's higher valuation and lower margins present a riskier proposition.",
    "The outlook for SoFi Technologies (SOFI) appears more stable and promising than for Upstart Holdings (UPST) in the next 6-12 months. SOFI's solid revenue growth, improving profitability, and more reasonable valuation provide a foundation for continued performance, assuming the broader economic environment remains supportive for consumer lending. A potential scenario includes SOFI consolidating its gains and potentially moving towards its analyst median target as its business segments mature. For Upstart Holdings (UPST), the outlook is more uncertain. While its AI technology offers disruptive potential, its higher valuation and recent earnings volatility make it susceptible to significant downside if growth falters or if macroeconomic conditions tighten credit markets further. A best-case scenario for UPST would involve a significant turnaround in earnings surprises and a stabilization of its technicals, while a worst-case scenario could see further price depreciation."
   ]
  },
  {
   "id": "price",
   "title": "Price Analysis Comparison"
  },
  {
   "id": "valuation",
   "title": "Valuation Metrics",
   "text": [
    "SoFi Technologies (SOFI) holds a valuation advantage over Upstart Holdings (UPST), trading at a P/E ratio of 36.87 compared to UPST's 50.2. This suggests that investors are currently willing to pay less for each dollar of SOFI's earnings relative to UPST. Both companies exhibit strong revenue growth, with SOFI at 42.6% and UPST at 42.3%, indicating healthy top-line expansion in the competitive fintech lending sector. However, SOFI's lower P/E ratio, coupled with its significantly higher net profit margin of 14.91% versus UPST's 4.69%, presents a more compelling valuation case. This indicates SOFI is more efficient at converting revenue into profit, making its current valuation more justifiable."
   ],
   "tables": [
    {
     "caption": "Valuation Metrics: SOFI vs UPST",
     "columns": [
      "Metric",
      "SOFI",
      "UPST"
     ],
     "rows": [
      {
       "label": "P/E Ratio",
       "cells": [
        "36.87",
        "50.20"
       ]
      },
      {
       "label": "Market Cap",
       "cells": [
        "22.23B",
        "2.44B"
       ]
      },
      {
       "label": "Price/Sales",
       "cells": [
        "5.24",
        "1.87"
       ]
      },
      {
       "label": "Price/Book",
       "cells": [
        "2.02",
        "3.06"
       ]
      },
      {
       "label": "EV/EBITDA",
       "cells": [
        "N/A",
        "35.13"
       ]
      },
      {
       "label": "Dividend Yield",
       "cells": [
        "N/A",
        "N/A"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "profitability",
   "title": "Profitability & Efficiency",
   "text": [
    "SoFi Technologies (SOFI) exhibits superior profitability compared to Upstart Holdings (UPST). SOFI boasts a net profit margin of 14.91%, substantially higher than UPST's 4.69%, indicating greater efficiency in converting revenue into net income. Furthermore, SOFI's return on equity (ROE) stands at 7.1%, slightly lower than UPST's 7.94%, but its return on assets (ROA) is stronger at 1.25% compared to UPST's 1.98%. While UPST shows a higher ROA, SOFI's significantly better net profit margin suggests a more sustainable and robust profit generation capability from its core operations."
   ],
   "tables": [
    {
     "caption": "Profitability & Efficiency: SOFI vs UPST",
     "columns": [
      "Metric",
      "SOFI",
      "UPST"
     ],
     "rows": [
      {
       "label": "Rev. Growth (Qtly)",
       "cells": [
        "42.60%",
        "42.30%"
       ]
      },
      {
       "label": "Profit Margin",
       "cells": [
        "14.91%",
        "4.69%"
       ]
      },
      {
       "label": "Return on Equity",
       "cells": [
        "7.10%",
        "7.94%"
       ]
      },
      {
       "label": "Return on Assets",
       "cells": [
        "1.25%",
        "1.98%"
       ]
      },
      {
       "label": "Debt/Equity",
       "cells": [
        "30.84",
        "258.01"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "earnings",
   "title": "Earnings Reality Check",
   "text": [
    "Last 5 Qs: SOFI beat estimates 4x out of 5. Rose 3x after beats.",
    "Last 5 Qs: UPST beat estimates 3x out of 5. Fell 3x after beats. (Sell the news?)"
   ]
  },
  {
   "id": "technicals",
   "title": "Technical Indicators",
   "text": [
    "SoFi Technologies (SOFI) shows mixed but less concerning technical signals than Upstart Holdings (UPST). SOFI's RSI is at 45.45, indicating a neutral momentum, while its Stochastic is at 11.26, suggesting it is approaching oversold territory. The MACD is slightly negative at -0.05, but its proximity to zero suggests potential for a shift. SOFI is trading below its 20-day EMA ($17.96) and 50-day SMA ($17.85), but above its 52-week low. Upstart Holdings (UPST) exhibits weaker technicals, with a very low RSI of 25.64 and Stochastic of 9.09, both firmly in oversold territory. UPST's MACD is more significantly negative at -1.03, and it is trading below its 20-day EMA ($28.11) and 50-day SMA ($29.55), indicating a stronger downtrend. UPST is also closer to its 52-week low."
   ],
   "tables": [
    {
     "caption": "Technical indicators: SOFI vs UPST",
     "columns": [
      "Indicator",
      "SOFI",
      "UPST"
     ],
     "rows": [
      {
       "label": "RSI (14)",
       "cells": [
        "45.45",
        "25.64"
       ]
      },
      {
       "label": "50-Day MA",
       "cells": [
        "$17.85",
        "$29.55"
       ]
      },
      {
       "label": "200-Day MA",
       "cells": [
        "$19.84",
        "$33.83"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "sentiment",
   "title": "AI Analyst Sentiment",
   "text": [
    "Analyst sentiment leans positive for both SoFi Technologies (SOFI) and Upstart Holdings (UPST), but SOFI has a higher median target price relative to its current price. SOFI has a median analyst target of $19, suggesting approximately 10.4% upside from its current price of $17.21. The analyst ratings for SOFI are mixed but lean towards buy, with 4 Strong Buys, 5 Buys, 13 Holds, 2 Sells, and 2 Strong Sells from 26 analysts. UPST has a median analyst target of $39.5, indicating significant potential upside from its current price of $25.70. However, UPST's analyst ratings are also mixed, with 1 Strong Buy, 6 Buys, 7 Holds, 0 Sells, and 1 Strong Sell from 15 analysts. The higher proportion of buy-leaning ratings and a more achievable median target for SOFI, considering its current price, suggests a slightly more favorable sentiment.Note: While UPST shows stronger short-term technical momentum (Hold 59/100), the AI comparative analysis favors SOFI (Hold 57/100) based on its overall trend structure, fundamentals, and risk-adjusted outlook."
   ]
  },
  {
   "id": "risk",
   "title": "Risk Stratification",
   "text": [
    "SoFi Technologies (SOFI) faces risks related to its valuation, which, despite being more attractive than UPST's, still carries a P/E of 36.87, suggesting high growth expectations. Regulatory changes in the financial services sector could impact SOFI's lending and banking operations. Competition from traditional banks and other fintechs remains a constant threat, potentially pressuring margins. Upstart Holdings (UPST) faces significant risks stemming from its higher valuation (P/E of 50.2), making it more susceptible to market corrections if growth expectations are not met. Its reliance on a proprietary AI-driven lending model introduces model risk and potential for increased defaults if underwriting assumptions prove inaccurate in changing economic conditions. Furthermore, UPST's more volatile earnings surprises and weaker technicals indicate a higher degree of uncertainty and potential for sharp price declines."
   ],
   "tables": [
    {
     "caption": "Risk metrics: SOFI vs UPST",
     "columns": [
      "Metric",
      "SOFI",
      "UPST"
     ],
     "rows": [
      {
       "label": "Beta (Volatility) i",
       "cells": [
        "2.21",
        "2.17"
       ]
      },
      {
       "label": "Sharpe Ratio",
       "cells": [
        "0.99",
        "0.42"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "protips",
   "title": "Comparative ProTips",
   "lists": {
    "ProTips": [
     "Monitor SOFI's ability to maintain its strong net profit margin as it scales.",
     "Watch for any signs of improvement in UPST's earnings consistency and technical indicators.",
     "Consider the regulatory environment for fintech lenders as a key factor for both companies."
    ]
   }
  },
  {
   "id": "monte-carlo",
   "title": "Monte Carlo Projection (10yr)"
  },
  {
   "id": "trade-plans",
   "title": "Actionable Trade Plans",
   "text": [
    "Compare entry, exit, and risk management levels for both assets",
    "Volatility-Adjusted Stop Loss Calculated based on volatility and technical support levels."
   ],
   "facts": {
    "STOP LOSS": "$23.68"
   }
  },
  {
   "id": "faq",
   "title": "Frequently Asked Questions"
  },
  {
   "id": "people-also-watch",
   "title": "People Also Watch",
   "links": [
    {
     "text": "SOFI vs AFRM SOFI vs AFRM Comparison $17.21 -0.6924%",
     "url": "https://clearank.com/compare/sofi-vs-afrm/"
    },
    {
     "text": "XLK vs QQQ XLK vs QQQ Comparison $185.22 -1.41%",
     "url": "https://clearank.com/compare/xlk-vs-qqq/"
    },
    {
     "text": "VOO vs VT VOO vs VT Comparison $703.79 +1.02%",
     "url": "https://clearank.com/compare/voo-vs-vt/"
    },
    {
     "text": "XMR/USD vs ZEC/USD XMR/USD vs ZEC/USD Comparison $514.96 +2.38%",
     "url": "https://clearank.com/compare/xmr-vs-zec/"
    }
   ]
  }
 ],
 "faq": [
  {
   "question": "Which is a better buy, SOFI or UPST?+",
   "answer": "SOFI is currently a better buy due to its more attractive valuation (lower P/E) and stronger profitability (higher net profit margin). SOFI also shows more consistent recent earnings performance."
  },
  {
   "question": "What are the key risks for SOFI vs UPST?+",
   "answer": "SOFI's main risks include its still-elevated valuation and competitive pressures. UPST faces higher valuation risk, model risk with its AI underwriting, and greater earnings volatility."
  },
  {
   "question": "How do SOFI and UPST compare on profitability?+",
   "answer": "SOFI is significantly more profitable, boasting a net profit margin of 14.91% compared to UPST's 4.69%. Both have similar returns on equity."
  },
  {
   "question": "What is the valuation difference between SOFI and UPST?+",
   "answer": "SOFI trades at a lower P/E ratio of 36.87 compared to UPST's 50.2, making SOFI appear more attractively valued on this metric."
  },
  {
   "question": "How has SOFI's recent earnings performance been?+",
   "answer": "SOFI has shown positive earnings surprises in its two most recent reports, leading to positive price reactions, indicating a strengthening earnings profile."
  },
  {
   "question": "How has UPST's recent earnings performance been?+",
   "answer": "UPST has had mixed earnings results, with a recent significant miss and a smaller beat in its latest report, leading to negative price reactions."
  },
  {
   "question": "What do analysts think of SOFI and UPST?+",
   "answer": "Analysts have mixed ratings for both, but SOFI's median target price suggests more achievable upside relative to its current price compared to UPST."
  }
 ],
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    "url": "https://clearank.com/compare/voo-vs-vt/"
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       "url": "https://clearank.com/stock/upstart-holdings-upst/"
      }
     }
    }
   ]
  },
  {
   "@context": "https://schema.org",
   "@type": "FAQPage",
   "mainEntity": [
    {
     "@type": "Question",
     "name": "Which is a better buy, SOFI or UPST?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "SOFI is currently a better buy due to its more attractive valuation (lower P/E) and stronger profitability (higher net profit margin). SOFI also shows more consistent recent earnings performance."
     }
    },
    {
     "@type": "Question",
     "name": "What are the key risks for SOFI vs UPST?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "SOFI's main risks include its still-elevated valuation and competitive pressures. UPST faces higher valuation risk, model risk with its AI underwriting, and greater earnings volatility."
     }
    },
    {
     "@type": "Question",
     "name": "How do SOFI and UPST compare on profitability?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "SOFI is significantly more profitable, boasting a net profit margin of 14.91% compared to UPST's 4.69%. Both have similar returns on equity."
     }
    },
    {
     "@type": "Question",
     "name": "What is the valuation difference between SOFI and UPST?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "SOFI trades at a lower P/E ratio of 36.87 compared to UPST's 50.2, making SOFI appear more attractively valued on this metric."
     }
    },
    {
     "@type": "Question",
     "name": "How has SOFI's recent earnings performance been?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "SOFI has shown positive earnings surprises in its two most recent reports, leading to positive price reactions, indicating a strengthening earnings profile."
     }
    },
    {
     "@type": "Question",
     "name": "How has UPST's recent earnings performance been?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "UPST has had mixed earnings results, with a recent significant miss and a smaller beat in its latest report, leading to negative price reactions."
     }
    },
    {
     "@type": "Question",
     "name": "What do analysts think of SOFI and UPST?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "Analysts have mixed ratings for both, but SOFI's median target price suggests more achievable upside relative to its current price compared to UPST."
     }
    }
   ]
  }
 ]
}