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Upstart vs SOFI: Which Fintech Stock is the Smarter Buy Today?

Fintech companies are revolutionizing the way we do business, and two of the most exciting names in the space are Upstart Holdings, Inc. (UPST) and Social Finance, Inc. (SOFI). Both companies are leaders in the online lending space, but which one is the smarter buy today?

Upstart has been on a tear lately, with shares up over 150% in the past year. The company's platform uses artificial intelligence to evaluate creditworthiness and has been particularly successful in lending to younger borrowers. Upstart's revenue has been growing rapidly, with a 145% year-over-year increase in the latest quarter.

SOFI, on the other hand, has been a bit more inconsistent. The company's shares are up around 50% in the past year, but have been more volatile than Upstart's. SOFI's platform focuses on consumer and small business lending, and the company has been expanding its offerings in recent months.

So, which stock is the smarter buy today? It really depends on your investment goals and risk tolerance. If you're looking for a more stable investment with a strong track record of growth, Upstart might be the better choice. But if you're willing to take on a bit more risk in pursuit of potentially higher returns, SOFI could be the way to go.

One thing to keep in mind is that both companies are still growing rapidly, and their valuations are relatively high. Upstart's forward price-to-earnings ratio is around 40, while SOFI's is around 30. This means that both companies have a lot of room to grow before their valuations become more reasonable.

Ultimately, the smarter buy will depend on your individual circumstances and investment goals. But for now, both Upstart and SOFI look like exciting opportunities in the fintech space.