SoFi vs. Upstart: Which Fintech Stock is the Better Buy Right Now?

Impact · against what's priced in

The article provides a general qualitative comparison of the two fintech models but contains no new material catalysts. For SoFi, the description of its diversified bank charter and revenue streams is already reflected in its current valuation.

SOFI+0.00

Already priced in

The price assumes

The shift to 39% fee-based revenue

The article describes SoFi as a diversified digital bank with technology services, which aligns with the fee-based revenue mix the market already assumes.