SoFi Technologies [SOFI] vs Capital One [COF] Detailed Stock Comparison
SoFi Technologies
NASDAQ
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Capital One
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: SoFi Technologies wins in 7 metrics, Capital One wins in 9 metrics, with 0 ties. Capital One appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | SoFi Technologies | Capital One | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 47.54 | 582.24 | SoFi Technologies |
| Price-to-Book Ratio | 3.86 | 1.31 | Capital One |
| Debt-to-Equity Ratio | 59.67 | 0.50 | Capital One |
| PEG Ratio | 0.06 | -0.81 | Capital One |
| Profit Margin (TTM) | 18.54% | 0.00% | SoFi Technologies |
| Operating Margin (TTM) | 13.28% | -532.77% | SoFi Technologies |
| EBITDA Margin (TTM) | 13.28% | N/A | N/A |
| Return on Equity | 8.80% | 0.01% | SoFi Technologies |
| Return on Assets (TTM) | 1.52% | 0.00% | SoFi Technologies |
| Free Cash Flow (TTM) | $-1.28B | $16.96B | Capital One |
| Dividend Yield | N/A | 0.91% | N/A |
| 1-Year Return | 202.53% | 50.57% | SoFi Technologies |
| Price-to-Sales Ratio (TTM) | 9.40 | 5.80 | Capital One |
| Enterprise Value | $30.42B | $138.03B | Capital One |
| EV/Revenue Ratio | 10.04 | 5.81 | Capital One |
| Revenue per Share (TTM) | $3 | $57 | Capital One |
| Earnings per Share (Diluted) | $0.50 | $0.37 | SoFi Technologies |
| Beta (Stock Volatility) | 1.94 | 1.17 | Capital One |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
SoFi Technologies vs Capital One Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| SoFi Technologies | -6.11% | -3.81% | 7.51% | 65.70% | 40.61% | 61.00% |
| Capital One | -0.73% | -0.97% | -0.58% | 8.72% | 2.29% | 20.09% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| SoFi Technologies | 202.53% | 268.12% | 21.40% | 21.40% | 21.40% | 21.40% |
| Capital One | 50.57% | 95.43% | 201.73% | 177.57% | 461.69% | 164.51% |
Performance & Financial Health Analysis: SoFi Technologies vs Capital One
| Metric | SOFI | COF |
|---|---|---|
| Market Information | ||
| Market Cap | $28.46B | $137.77B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 52,815,510 | 3,368,810 |
| 90 Day Avg. Volume | 73,245,833 | 3,828,977 |
| Last Close | $22.75 | $214.62 |
| 52 Week Range | $6.75 - $25.11 | $131.55 - $232.45 |
| % from 52W High | -9.40% | -7.67% |
| All-Time High | $28.26 (Feb 01, 2021) | $232.45 (Jul 23, 2025) |
| % from All-Time High | -19.50% | -7.67% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.44% | -0.81% |
| Quarterly Earnings Growth | 4.59% | 0.32% |
| Financial Health | ||
| Profit Margin (TTM) | 0.19% | 0.00% |
| Operating Margin (TTM) | 0.13% | -5.33% |
| Return on Equity (TTM) | 0.09% | 0.00% |
| Debt to Equity (MRQ) | 59.67 | 0.50 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $6.16 | $165.05 |
| Cash per Share (MRQ) | $1.78 | $95.38 |
| Operating Cash Flow (TTM) | $-2,819,089,920 | $19.64B |
| Levered Free Cash Flow (TTM) | $479.14M | $4.45B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.91% |
| Last 12-Month Dividend | N/A | $1.80 |
Valuation & Enterprise Metrics Analysis: SoFi Technologies vs Capital One
| Metric | SOFI | COF |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 47.54 | 582.24 |
| Forward P/E | 81.97 | 13.76 |
| PEG Ratio | 0.06 | -0.81 |
| Price to Sales (TTM) | 9.40 | 5.80 |
| Price to Book (MRQ) | 3.86 | 1.31 |
| Market Capitalization | ||
| Market Capitalization | $28.46B | $137.77B |
| Enterprise Value | $30.42B | $138.03B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.04 | 5.81 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.94 | 1.17 |
| Book Value per Share (MRQ) | $6.16 | $165.05 |
Financial Statements Comparison: SoFi Technologies vs Capital One
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 | COF |
|---|---|---|
| Revenue/Sales | $771.76M | $10.00B |
| 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 | $1.73B |
| Income Tax | $8.67M | $325.00M |
| Net Income (Profit) | $71.12M | $1.40B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | SOFI | COF |
|---|---|---|
| Cash & Equivalents | $2.09B | $48.57B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $2.65B | $41.20B |
| Total Shareholders Equity | $6.68B | $63.54B |
| Retained Earnings | $-1.23B | $65.62B |
| Property, Plant & Equipment | $394.44M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | SOFI | COF |
|---|---|---|
| Operating Cash Flow | $372.79M | $2.30B |
| Capital Expenditures | $-52.60M | $-348.00M |
| Free Cash Flow | $-32.75M | $4.32B |
| Debt Repayment | $-49.11M | $-6.07B |
| Common Stock Repurchase | N/A | $-375.00M |
Short Interest & Institutional Ownership Analysis
| Metric | SOFI | COF |
|---|---|---|
| Shares Short | 112.01M | 8.76M |
| Short Ratio | 1.33 | 2.16 |
| Short % of Float | 0.09% | 0.01% |
| Average Daily Volume (10 Day) | 52,815,510 | 3,368,810 |
| Average Daily Volume (90 Day) | 73,245,833 | 3,828,977 |
| Shares Outstanding | 1.10B | 381.23M |
| Float Shares | 1.18B | 626.51M |
| % Held by Insiders | 0.03% | 0.02% |
| % Held by Institutions | 0.54% | 0.87% |
Dividend Analysis & Yield Comparison: SoFi Technologies vs Capital One
| Metric | SOFI | COF |
|---|---|---|
| Last 12-Month Dividend | N/A | $1.80 |
| Last 12-Month Dividend Yield | N/A | 0.91% |
| 3-Year Avg Annual Dividend | N/A | $2.40 |
| 3-Year Avg Dividend Yield | N/A | 0.48% |
| 3-Year Total Dividends | N/A | $7.20 |
| Ex-Dividend Date | N/A | Feb 18, 2025 |