SOFI vs. UPST: A Head-to-Head Stock Comparison

Updated on August 28, 2025

Here’s a clear look at SOFI and UPST, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	SOFI	UPST
Company Name	SoFi Technologies, Inc.	Upstart Holdings, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Consumer Finance	Consumer Finance
Market Capitalization	31.31 billion USD	6.65 billion USD
Exchange	NasdaqGS	NasdaqGS
Listing Date	January 4, 2021	December 16, 2020
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of SOFI and UPST by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

SOFI vs. UPST: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	SOFI	UPST
5-Day Price Return	14.95%	12.28%
13-Week Price Return	98.26%	51.55%
26-Week Price Return	61.62%	-16.80%
52-Week Price Return	263.70%	74.14%
Month-to-Date Return	15.81%	-15.40%
Year-to-Date Return	69.81%	12.31%
10-Day Avg. Volume	68.32M	7.05M
3-Month Avg. Volume	69.83M	6.52M
3-Month Volatility	47.26%	71.55%
Beta	1.97	2.44

Profitability

Return on Equity (TTM)

SOFI

8.58%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

SOFI’s Return on Equity of 8.58% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

UPST

-0.97%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

UPST has a negative Return on Equity of -0.97%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

SOFI vs. UPST: A comparison of their Return on Equity (TTM) against the Consumer Finance industry benchmark.

Net Profit Margin (TTM)

SOFI

-19.79%

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

SOFI has a negative Net Profit Margin of -19.79%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

UPST

-0.75%

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

UPST has a negative Net Profit Margin of -0.75%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

SOFI vs. UPST: A comparison of their Net Profit Margin (TTM) against the Consumer Finance industry benchmark.

Operating Profit Margin (TTM)

SOFI

-19.92%

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
Min: -5.45%

SOFI has a negative Operating Profit Margin of -19.92%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

UPST

-1.94%

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
Min: -5.45%

UPST has a negative Operating Profit Margin of -1.94%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

SOFI vs. UPST: A comparison of their Operating Profit Margin (TTM) against the Consumer Finance industry benchmark.

Profitability at a Glance

Symbol	SOFI	UPST
Return on Equity (TTM)	8.58%	-0.97%
Return on Assets (TTM)	1.50%	-0.28%
Net Profit Margin (TTM)	-19.79%	-0.75%
Operating Profit Margin (TTM)	-19.92%	-1.94%
Gross Profit Margin (TTM)	--	80.43%

Financial Strength

Current Ratio (MRQ)

SOFI

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

UPST

1.48

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SOFI vs. UPST: A comparison of their Current Ratio (MRQ) against the Consumer Finance industry benchmark.

Debt-to-Equity Ratio (MRQ)

SOFI

0.57

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

UPST

1.98

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

SOFI vs. UPST: A comparison of their Debt-to-Equity Ratio (MRQ) against the Consumer Finance industry benchmark.

Interest Coverage Ratio (TTM)

SOFI

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

UPST

-15.69

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

SOFI vs. UPST: A comparison of their Interest Coverage Ratio (TTM) against the Consumer Finance industry benchmark.

Financial Strength at a Glance

Symbol	SOFI	UPST
Current Ratio (MRQ)	--	1.48
Quick Ratio (MRQ)	--	1.48
Debt-to-Equity Ratio (MRQ)	0.57	1.98
Interest Coverage Ratio (TTM)	--	-15.69

Growth

Revenue Growth

SOFI vs. UPST: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

SOFI vs. UPST: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

SOFI

0.00%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

SOFI currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

UPST

0.00%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

UPST currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

SOFI vs. UPST: A comparison of their Dividend Yield (TTM) against the Consumer Finance industry benchmark.

Dividend Payout Ratio (TTM)

SOFI

0.00%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
Min: 0.00%

SOFI has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

UPST

0.00%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
Min: 0.00%

UPST has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

SOFI vs. UPST: A comparison of their Dividend Payout Ratio (TTM) against the Consumer Finance industry benchmark.

Dividend at a Glance

Symbol	SOFI	UPST
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

SOFI

47.53

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

At 47.53, SOFI’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Consumer Finance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

UPST

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

P/E Ratio data for UPST is currently unavailable.

SOFI vs. UPST: A comparison of their Price-to-Earnings Ratio (TTM) against the Consumer Finance industry benchmark.

Price-to-Sales Ratio (TTM)

SOFI

3.35

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

SOFI’s P/S Ratio of 3.35 is in the upper echelon for the Consumer Finance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

UPST

7.24

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

With a P/S Ratio of 7.24, UPST trades at a valuation that eclipses even the highest in the Consumer Finance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

SOFI vs. UPST: A comparison of their Price-to-Sales Ratio (TTM) against the Consumer Finance industry benchmark.

Price-to-Book Ratio (MRQ)

SOFI

2.93

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
Min: 0.26

SOFI’s P/B Ratio of 2.93 is in the upper tier for the Consumer Finance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

UPST

8.52

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
Min: 0.26

At 8.52, UPST’s P/B Ratio is at an extreme premium to the Consumer Finance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

SOFI vs. UPST: A comparison of their Price-to-Book Ratio (MRQ) against the Consumer Finance industry benchmark.

Valuation at a Glance

Symbol	SOFI	UPST
Price-to-Earnings Ratio (TTM)	47.53	--
Price-to-Sales Ratio (TTM)	3.35	7.24
Price-to-Book Ratio (MRQ)	2.93	8.52
Price-to-Free Cash Flow Ratio (TTM)	37.91	21.22