SoFi Technologies [SOFI] vs American Express [AXP] Detailed Stock Comparison
SoFi Technologies
NASDAQ
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American Express
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: SoFi Technologies wins in 4 metrics, American Express wins in 13 metrics, with 0 ties. American Express appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | SoFi Technologies | American Express | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 53.10 | 22.83 | American Express |
| Price-to-Book Ratio | 4.31 | 7.01 | SoFi Technologies |
| Debt-to-Equity Ratio | 59.67 | 187.93 | SoFi Technologies |
| PEG Ratio | 0.07 | -11.87 | American Express |
| Profit Margin (TTM) | 18.54% | 15.99% | SoFi Technologies |
| Operating Margin (TTM) | 13.28% | 21.00% | American Express |
| EBITDA Margin (TTM) | 13.28% | 21.00% | American Express |
| Return on Equity | 8.80% | 32.81% | American Express |
| Return on Assets (TTM) | 1.52% | 3.57% | American Express |
| Free Cash Flow (TTM) | $-1.28B | $12.14B | American Express |
| Dividend Yield | N/A | 0.99% | N/A |
| 1-Year Return | 243.02% | 25.60% | SoFi Technologies |
| Price-to-Sales Ratio (TTM) | 10.49 | 3.57 | American Express |
| Enterprise Value | $33.75B | $229.34B | American Express |
| EV/Revenue Ratio | 11.14 | 3.62 | American Express |
| Revenue per Share (TTM) | $3 | $90 | American Express |
| Earnings per Share (Diluted) | $0.50 | $14.25 | American Express |
| Beta (Stock Volatility) | 1.94 | 1.29 | American Express |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
SoFi Technologies vs American Express Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| SoFi Technologies | 2.27% | 3.71% | 12.26% | 78.19% | 122.73% | 87.90% |
| American Express | -1.22% | -0.28% | 7.29% | 9.17% | 24.76% | 9.01% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| SoFi Technologies | 243.02% | 338.84% | 41.68% | 41.68% | 41.68% | 41.68% |
| American Express | 25.60% | 112.50% | 214.48% | 328.31% | 686.32% | 524.98% |
News Based Sentiment: SoFi Technologies vs American Express
SoFi Technologies
News based Sentiment: POSITIVE
SoFi delivered a strong Q2 earnings report, exceeding analyst expectations, and announced several strategic initiatives, including a new ETF, a partnership with Josh Allen, and plans to re-enter the crypto space. These developments, combined with positive guidance, suggest a positive trajectory for the company, though insider selling introduces a note of caution.
American Express
News based Sentiment: POSITIVE
American Express demonstrated strong financial performance in Q2 and continued expansion of its merchant base and strategic partnerships throughout September. While the Platinum Card refresh introduces a potential risk with the increased fee, the overall narrative remains positive, driven by revenue growth, analyst optimism, and a focus on attracting high-spending customers.
Performance & Financial Health Analysis: SoFi Technologies vs American Express
| Metric | SOFI | AXP |
|---|---|---|
| Market Information | ||
| Market Cap | $31.79B | $226.38B |
| Market Cap Category | Large cap | Mega cap |
| 10 Day Avg. Volume | 58,477,240 | 2,609,550 |
| 90 Day Avg. Volume | 63,747,810 | 2,406,207 |
| Last Close | $26.55 | $325.31 |
| 52 Week Range | $7.24 - $26.85 | $220.43 - $332.46 |
| % from 52W High | -1.14% | -2.15% |
| All-Time High | $28.26 (Feb 01, 2021) | $332.46 (Sep 05, 2025) |
| % from All-Time High | -6.05% | -2.15% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.44% | 0.09% |
| Quarterly Earnings Growth | 4.59% | -0.04% |
| Financial Health | ||
| Profit Margin (TTM) | 0.19% | 0.16% |
| Operating Margin (TTM) | 0.13% | 0.21% |
| Return on Equity (TTM) | 0.09% | 0.33% |
| Debt to Equity (MRQ) | 59.67 | 187.93 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $6.16 | $46.42 |
| Cash per Share (MRQ) | $1.78 | $83.01 |
| Operating Cash Flow (TTM) | $-2,819,089,920 | $13.09B |
| Levered Free Cash Flow (TTM) | $479.14M | $10.00B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.99% |
| Last 12-Month Dividend | N/A | $2.92 |
Valuation & Enterprise Metrics Analysis: SoFi Technologies vs American Express
| Metric | SOFI | AXP |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 53.10 | 22.83 |
| Forward P/E | 91.55 | 21.52 |
| PEG Ratio | 0.07 | -11.87 |
| Price to Sales (TTM) | 10.49 | 3.57 |
| Price to Book (MRQ) | 4.31 | 7.01 |
| Market Capitalization | ||
| Market Capitalization | $31.79B | $226.38B |
| Enterprise Value | $33.75B | $229.34B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 11.14 | 3.62 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.94 | 1.29 |
| Book Value per Share (MRQ) | $6.16 | $46.42 |
Financial Statements Comparison: SoFi Technologies vs American Express
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | SOFI | AXP |
|---|---|---|
| Revenue/Sales | $771.76M | $17.86B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $79.78M | $3.55B |
| Income Tax | $8.67M | $665.00M |
| Net Income (Profit) | $71.12M | $2.89B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | SOFI | AXP |
|---|---|---|
| Cash & Equivalents | $2.09B | $52.41B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $2.65B | $51.24B |
| Total Shareholders Equity | $6.68B | $31.20B |
| Retained Earnings | $-1.23B | $23.39B |
| Property, Plant & Equipment | $394.44M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | SOFI | AXP |
|---|---|---|
| Operating Cash Flow | $372.79M | $3.61B |
| Capital Expenditures | $-52.60M | $-430.00M |
| Free Cash Flow | $-32.75M | $4.33B |
| Debt Repayment | $-49.11M | $-3.53B |
| Common Stock Repurchase | N/A | $-1.21B |
Short Interest & Institutional Ownership Analysis
| Metric | SOFI | AXP |
|---|---|---|
| Shares Short | 101.33M | 10.58M |
| Short Ratio | 1.27 | 4.48 |
| Short % of Float | 0.09% | 0.02% |
| Average Daily Volume (10 Day) | 58,477,240 | 2,609,550 |
| Average Daily Volume (90 Day) | 63,747,810 | 2,406,207 |
| Shares Outstanding | 1.10B | 702.00M |
| Float Shares | 1.18B | 542.70M |
| % Held by Insiders | 0.03% | 0.22% |
| % Held by Institutions | 0.54% | 0.65% |
Dividend Analysis & Yield Comparison: SoFi Technologies vs American Express
| Metric | SOFI | AXP |
|---|---|---|
| Last 12-Month Dividend | N/A | $2.92 |
| Last 12-Month Dividend Yield | N/A | 0.99% |
| 3-Year Avg Annual Dividend | N/A | $2.33 |
| 3-Year Avg Dividend Yield | N/A | 0.32% |
| 3-Year Total Dividends | N/A | $6.98 |
| Ex-Dividend Date | N/A | Apr 04, 2025 |