Does Sofi or RDDT has higher upside from here?

Both are at very similar earnings/revenue profile in terms of growth and size, with similar valuation, except that Reddit's market cap is a little higher, so is its profits. Both are down 50% from ATH. Both are challengers in their respective arena. Both have sticky and satisfied user base. Which business model do you prefer? Which business has the greater growth potential? If you are FORCED to choose hold one for the next 10 years, which will you own? Here are some of my thoughts before considering: SOFI has a rapidly growing user base while Reddit user base growth is maturing. SOFI's geographical scope is limited to the US and will find it hard to expand to other countries as most countries already have their owned established local fintech companies. Reddit has strong user base in english speaking communities outside the US. SOFI dilutes a little more than Reddit though Reddit has the worse share-based compensation. Fintech is a slightly smaller industry than the ad industry but is growing more rapidly. So the absolutely ceiling for SOFI is way higher and for Reddit is lower. But SOFI has competitors from digital and traditional banks while Reddit pretty much owns the forum space and all the attention that comes with it. SOFI's management is highly aggressive and make a lot of acquisitions while Reddit is the opposite and sits on a hill of cash with minimal capex. SOFI is much more diversified in that it can extend its tentacles to stock broking, insurance, financial software etc. but is currently still very much a loan (lender and originator) player. Reddit has limited avenues to diversify its business other than AI deals, so potentially less growth. Long-term outlook for SOFI is murkier as Fintech changes very fast while for Reddit is more certain as social media landscape doesn't get disrupted as much.