SOFI
Price
$12.88
Change
+$0.57 (+4.63%)
Updated
Apr 25, 04:59 PM (EDT)
Capitalization
7.66B
2 days until earnings call
UPST
Price
$48.68
Change
+$1.97 (+4.22%)
Updated
Apr 25, 04:59 PM (EDT)
Capitalization
2.28B
9 days until earnings call
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SOFI vs UPST

Header iconSOFI vs UPST Comparison
Open Charts SOFI vs UPSTBanner chart's image
SoFi Technologies
Price$12.88
Change+$0.57 (+4.63%)
Volume$434.27K
Capitalization7.66B
Upstart Holdings
Price$48.68
Change+$1.97 (+4.22%)
Volume$49.25K
Capitalization2.28B
SOFI vs UPST Comparison Chart
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SOFI
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
UPST
Daily Signalchanged days ago
Gain/Loss if bought
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VS
SOFI vs. UPST commentary
Apr 27, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is SOFI is a Buy and UPST is a Buy.

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COMPARISON
Comparison
Apr 27, 2025
Stock price -- (SOFI: $12.31 vs. UPST: $46.71)
Brand notoriety: SOFI and UPST are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: SOFI: 115% vs. UPST: 82%
Market capitalization -- SOFI: $7.66B vs. UPST: $2.28B
SOFI [@Finance/Rental/Leasing] is valued at $7.66B. UPST’s [@Finance/Rental/Leasing] market capitalization is $2.28B. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $12.57B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

SOFI’s FA Score shows that 1 FA rating(s) are green whileUPST’s FA Score has 0 green FA rating(s).

  • SOFI’s FA Score: 1 green, 4 red.
  • UPST’s FA Score: 0 green, 5 red.
According to our system of comparison, SOFI is a better buy in the long-term than UPST.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

SOFI’s TA Score shows that 5 TA indicator(s) are bullish while UPST’s TA Score has 6 bullish TA indicator(s).

  • SOFI’s TA Score: 5 bullish, 3 bearish.
  • UPST’s TA Score: 6 bullish, 2 bearish.
According to our system of comparison, UPST is a better buy in the short-term than SOFI.

Price Growth

SOFI (@Finance/Rental/Leasing) experienced а +12.11% price change this week, while UPST (@Finance/Rental/Leasing) price change was +18.49% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +4.11%. For the same industry, the average monthly price growth was -3.04%, and the average quarterly price growth was +34.38%.

Reported Earning Dates

SOFI is expected to report earnings on Aug 05, 2025.

UPST is expected to report earnings on Aug 12, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+4.11% weekly)

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

SUMMARIES
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FUNDAMENTALS
Fundamentals
SOFI($7.66B) has a higher market cap than UPST($2.28B). UPST has higher P/E ratio than SOFI: UPST (20.04) vs SOFI (9.44). SOFI YTD gains are higher at: -20.065 vs. UPST (-24.135). UPST has less debt than SOFI: UPST (1.1B) vs SOFI (5.36B). SOFI has higher revenues than UPST: SOFI (2.11B) vs UPST (508M).
SOFIUPSTSOFI / UPST
Capitalization7.66B2.28B336%
EBITDAN/AN/A-
Gain YTD-20.065-24.13583%
P/E Ratio9.4420.0447%
Revenue2.11B508M415%
Total CashN/AN/A-
Total Debt5.36B1.1B486%
TECHNICAL ANALYSIS
Technical Analysis
SOFIUPST
RSI
ODDS (%)
Bullish Trend 6 days ago
87%
Bullish Trend 6 days ago
90%
Stochastic
ODDS (%)
Bearish Trend 6 days ago
82%
Bullish Trend 6 days ago
90%
Momentum
ODDS (%)
Bullish Trend 6 days ago
81%
Bullish Trend 6 days ago
82%
MACD
ODDS (%)
Bullish Trend 6 days ago
83%
Bullish Trend 6 days ago
90%
TrendWeek
ODDS (%)
Bullish Trend 6 days ago
81%
Bullish Trend 6 days ago
88%
TrendMonth
ODDS (%)
Bearish Trend 6 days ago
85%
Bearish Trend 6 days ago
89%
Advances
ODDS (%)
Bullish Trend 13 days ago
83%
Bullish Trend 6 days ago
88%
Declines
ODDS (%)
Bearish Trend 24 days ago
84%
Bearish Trend 24 days ago
90%
BollingerBands
ODDS (%)
Bullish Trend 6 days ago
90%
Bullish Trend 6 days ago
90%
Aroon
ODDS (%)
Bearish Trend 6 days ago
89%
Bearish Trend 6 days ago
86%
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SOFI
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
UPST
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
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SOFI and

Correlation & Price change

A.I.dvisor indicates that over the last year, SOFI has been loosely correlated with OMF. These tickers have moved in lockstep 66% of the time. This A.I.-generated data suggests there is some statistical probability that if SOFI jumps, then OMF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SOFI
1D Price
Change %
SOFI100%
+4.86%
OMF - SOFI
66%
Loosely correlated
+4.48%
ENVA - SOFI
65%
Loosely correlated
+3.91%
AXP - SOFI
65%
Loosely correlated
+5.90%
UPST - SOFI
63%
Loosely correlated
+6.21%
URI - SOFI
63%
Loosely correlated
+9.87%
More

UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been loosely correlated with SOFI. These tickers have moved in lockstep 57% of the time. This A.I.-generated data suggests there is some statistical probability that if UPST jumps, then SOFI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPST
1D Price
Change %
UPST100%
+6.21%
SOFI - UPST
57%
Loosely correlated
+4.86%
SEZL - UPST
54%
Loosely correlated
+10.69%
LC - UPST
51%
Loosely correlated
+6.05%
OMF - UPST
47%
Loosely correlated
+4.48%
R - UPST
45%
Loosely correlated
+2.82%
More