On the filings, SoFi (SOFI) is the stronger stock right now — higher on our blended fundamentals-plus-verdict read, and we currently rate it HOLD.
Real turnaround, but its multiple on a funding-dependent lender that burned $148M of operating cash leaves the risk skewed down.
Real growth and a profit inflection, but flat EPS on heavy dilution and a rich multiple make SOFI a hold, not a chase.
| Metric | UPST | SOFI |
|---|---|---|
| Fundamentals score | 76 | 68 |
| Revenue growth (YoY) | +64.0% | +23.1% |
| Net income growth (YoY) | +141.7% | -3.5% |
| Net margin | 5.1% | 77.7% |
| Return on equity | 6.7% | 4.6% |
| ROIC (est.) | 4.2% | — |
| Liabilities / Equity | 2.72 | 3.83 |
| Piotroski F-score | 3 / 9 | 2 / 9 |
Bold green = the stronger figure. All rows derive from SEC XBRL filings — no market-price data on this page.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 29, 2026, 6:37 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 3:09 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.