Palantir vs. SoFi: Which High-Growth Tech Stock is the Better Buy Now?

Core Insights - Both Palantir Technologies Inc. (PLTR) and SoFi Technologies, Inc. (SOFI) are rapidly growing technology companies focused on data, software, and automation to transform their industries [1][2] Palantir Technologies Inc. (PLTR) - Palantir's Artificial Intelligence Platform (AIP) is a key growth driver, with U.S. commercial revenues increasing by 121% year over year in Q3 2025 [3] - The total U.S. commercial contract value rose 342% year over year, and remaining deal value increased by 199% to $3.6 billion, with a 45% year-over-year growth in customer count [3] - The company achieved its highest adjusted operating margin of 51%, with GAAP operating income at $393 million and net income at $476 million, resulting in GAAP EPS of 18 cents and adjusted EPS of 21 cents [4] - Gross margins were robust at 82%, with cash from operations at $508 million and adjusted free cash flow at $540 million, ending the quarter with $6.4 billion in cash and equivalents [5] - Palantir's expanding commercial revenue and government partnerships position it for steady growth and a unique competitive advantage in the enterprise AI landscape [6] SoFi Technologies, Inc. (SOFI) - SoFi's management emphasizes innovation, launching SoFi Pay for low-cost international payments and planning a SoFi USD stablecoin for 2026 [7] - The relaunch of crypto trading features and the introduction of the AI-driven SoFi Coach aim to enhance user engagement and financial guidance [8] - The SoFi Smart Card offers 5% cash back on food purchases and strengthens customer loyalty [9] - SoFi reported record adjusted net revenue of $950 million, up 38% year over year, with net income of $139 million and EPS of 11 cents, marking its eighth consecutive profitable quarter [11] - Total loan originations reached a record $9.9 billion, up 57% year over year, supported by a growing deposit base of $32.9 billion [12][13] Comparative Analysis - The Zacks Consensus Estimate indicates PLTR's sales and EPS growth of 54% and 78% respectively for 2025, while SOFI's sales are expected to grow by 37% and EPS by 140% [14][17] - PLTR's forward sales multiple is at 64.36X, while SOFI's valuation appears more attractive compared to other companies in the sector [20] - Both companies are recognized for their strong growth narratives, but PLTR is currently viewed as the more attractive investment due to its accelerating momentum in enterprise AI and improving profitability [21]