SoFi Technologies vs Upbound Group
Upbound Group is the larger business, with $4.70bn of revenue in fiscal 2025 against $3.61bn for SoFi Technologies (1.3 times as much). SoFi Technologies grew faster (35.1% against 8.7%). SoFi Technologies kept more of each dollar of sales as profit: a net margin of 13.3% against 1.6%.
| Latest fiscal year | SoFi TechnologiesSOFI, 2025 | Upbound GroupUPBD, 2025 |
|---|---|---|
| Revenue | $3.61bn | $4.70bn |
| Revenue growth | 35.1% | 8.7% |
| Net income | $481m | $73.2m |
| Operating margin | — | 4.8% |
| Net margin | 13.3% | 1.6% |
| Return on equity | 5.7% | 11.1% |
| Free cash flow | −$3.98bn | $239m |
| Cash | $4.93bn | $121m |
| Total debt | $1.83bn | $1.14bn |
| Debt to equity | — | 163.4% |
| Dividend per share | — | $1.56 |
| Dividend yield | — | 6.8% |
| Share buybacks | — | $0 |
| Employees | 6,100 | — |
| Market value | $21.61bn | $1.31bn |
| Price vs our value range | — | Below our value range |
| Moat score | 32 (Weak) | 42 (Weak) |
| Insider trades, 12 months | 7 buys, 19 sales | 8 buys, 1 sales |