SOFI
Price
$28.13
Change
-$0.31 (-1.09%)
Updated
Sep 25, 04:59 PM (EDT)
Capitalization
34.06B
40 days until earnings call
UPST
Price
$56.91
Change
-$3.70 (-6.10%)
Updated
Sep 25, 04:59 PM (EDT)
Capitalization
5.83B
47 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$28.13
Change-$0.31 (-1.09%)
Volume$269.51K
Capitalization34.06B
Upstart Holdings
Price$56.91
Change-$3.70 (-6.10%)
Volume$88.84K
Capitalization5.83B
SOFI vs UPST Comparison Chart in %
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SOFI
Daily Signalchanged days ago
Gain/Loss if bought
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UPST
Daily Signalchanged days ago
Gain/Loss if bought
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SOFI vs. UPST commentary
Sep 26, 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 Hold and UPST is a Hold.

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COMPARISON
Comparison
Sep 26, 2025
Stock price -- (SOFI: $28.44 vs. UPST: $60.61)
Brand notoriety: SOFI and UPST are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: SOFI: 66% vs. UPST: 90%
Market capitalization -- SOFI: $34.06B vs. UPST: $5.83B
SOFI [@Savings Banks] is valued at $34.06B. UPST’s [@Savings Banks] market capitalization is $5.83B. The market cap for tickers in the [@Savings Banks] industry ranges from $657.36B to $0. The average market capitalization across the [@Savings Banks] industry is $22.01B.

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 4 TA indicator(s) are bullish while UPST’s TA Score has 2 bullish TA indicator(s).

  • SOFI’s TA Score: 4 bullish, 4 bearish.
  • UPST’s TA Score: 2 bullish, 6 bearish.
According to our system of comparison, SOFI is a better buy in the short-term than UPST.

Price Growth

SOFI (@Savings Banks) experienced а +4.79% price change this week, while UPST (@Savings Banks) price change was -11.02% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.33%. For the same industry, the average monthly price growth was +3.36%, and the average quarterly price growth was +37.75%.

Reported Earning Dates

SOFI is expected to report earnings on Nov 04, 2025.

UPST is expected to report earnings on Nov 11, 2025.

Industries' Descriptions

@Savings Banks (-1.33% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
SOFI($34.1B) has a higher market cap than UPST($5.83B). SOFI YTD gains are higher at: 82.655 vs. UPST (-7.569). UPST has less debt than SOFI: UPST (1.47B) vs SOFI (4.04B). SOFI has higher revenues than UPST: SOFI (3.06B) vs UPST (844M).
SOFIUPSTSOFI / UPST
Capitalization34.1B5.83B585%
EBITDAN/AN/A-
Gain YTD82.655-7.569-1,092%
P/E Ratio56.88N/A-
Revenue3.06B844M362%
Total CashN/AN/A-
Total Debt4.04B1.47B274%
TECHNICAL ANALYSIS
Technical Analysis
SOFIUPST
RSI
ODDS (%)
Bearish Trend 2 days ago
76%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
78%
Bullish Trend 2 days ago
88%
Momentum
ODDS (%)
Bullish Trend 2 days ago
84%
Bearish Trend 2 days ago
90%
MACD
ODDS (%)
Bullish Trend 2 days ago
90%
Bearish Trend 2 days ago
90%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
83%
Bearish Trend 2 days ago
88%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
83%
Bearish Trend 2 days ago
88%
Advances
ODDS (%)
Bullish Trend 4 days ago
85%
Bullish Trend 9 days ago
88%
Declines
ODDS (%)
Bearish Trend 2 days ago
81%
Bearish Trend 2 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
78%
Bearish Trend 2 days ago
80%
Aroon
ODDS (%)
Bullish Trend 2 days ago
86%
Bearish Trend 2 days ago
90%
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SOFI
Daily Signalchanged days ago
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UPST
Daily Signalchanged days ago
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SOFI and

Correlation & Price change

A.I.dvisor indicates that over the last year, SOFI has been closely correlated with OMF. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high 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%
-1.09%
OMF - SOFI
67%
Closely correlated
-2.25%
UPST - SOFI
64%
Loosely correlated
-6.10%
ENVA - SOFI
64%
Loosely correlated
-0.92%
AL - SOFI
63%
Loosely correlated
+0.13%
SYF - SOFI
63%
Loosely correlated
-0.46%
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 64% 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%
-6.10%
SOFI - UPST
64%
Loosely correlated
-1.09%
SEZL - UPST
61%
Loosely correlated
-2.32%
LC - UPST
51%
Loosely correlated
-0.36%
SYF - UPST
51%
Loosely correlated
-0.46%
ALLY - UPST
51%
Loosely correlated
-2.69%
More