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) | 50.48 | 595.56 | SoFi Technologies |
| Price-to-Book Ratio | 4.10 | 1.30 | Capital One |
| Debt-to-Equity Ratio | 59.67 | 0.50 | Capital One |
| PEG Ratio | 0.06 | -0.83 | 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 | 200.83% | 39.73% | SoFi Technologies |
| Price-to-Sales Ratio (TTM) | 9.98 | 5.77 | Capital One |
| Enterprise Value | $32.18B | $137.38B | Capital One |
| EV/Revenue Ratio | 10.62 | 5.78 | Capital One |
| Revenue per Share (TTM) | $3 | $57 | Capital One |
| Earnings per Share (Diluted) | $0.50 | $0.36 | SoFi Technologies |
| Beta (Stock Volatility) | 1.93 | 1.18 | Capital One |
Performance
News Sentiment
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 | -2.81% | -9.79% | 3.06% | 35.92% | 137.22% | 78.63% |
| Capital One | 0.29% | -4.31% | -3.13% | -2.95% | 30.70% | 19.97% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| SoFi Technologies | 200.83% | 403.79% | 34.69% | 34.69% | 34.69% | 34.69% |
| Capital One | 39.73% | 128.40% | 168.40% | 187.98% | 444.72% | 183.82% |
News Based Sentiment: SoFi Technologies vs Capital One
SoFi Technologies
News based Sentiment: MIXED
October was a month of strategic shifts for SoFi, moving beyond lending into crypto and AI, alongside mixed Q2 earnings and continued insider selling. While the company maintained its guidance and projects strong deposit growth, the revenue miss and insider activity create a balanced investment picture.
Capital One
News based Sentiment: POSITIVE
October was a positive month for Capital One, marked by strategic expansions in its travel program, positive analyst upgrades, and anticipation of synergies from the Discover acquisition. While the Walmart partnership exit is a minor concern, the overall narrative points towards continued growth and investor confidence.
Performance & Financial Health Analysis: SoFi Technologies vs Capital One
| Metric | SOFI | COF |
|---|---|---|
| Market Information | ||
| Market Cap | $32.32B | $143.90B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 62,380,670 | 3,743,680 |
| 90 Day Avg. Volume | 66,832,047 | 3,281,123 |
| Last Close | $25.24 | $214.40 |
| 52 Week Range | $7.65 - $30.30 | $143.22 - $232.45 |
| % from 52W High | -16.70% | -7.77% |
| All-Time High | $30.30 (Sep 22, 2025) | $232.45 (Jul 23, 2025) |
| % from All-Time High | -16.70% | -7.77% |
| 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) | 50.48 | 595.56 |
| Forward P/E | 87.03 | 13.69 |
| PEG Ratio | 0.06 | -0.83 |
| Price to Sales (TTM) | 9.98 | 5.77 |
| Price to Book (MRQ) | 4.10 | 1.30 |
| Market Capitalization | ||
| Market Capitalization | $32.32B | $143.90B |
| Enterprise Value | $32.18B | $137.38B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.62 | 5.78 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.93 | 1.18 |
| 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 | 107.60M | 8.96M |
| Short Ratio | 1.60 | 2.96 |
| Short % of Float | 0.09% | 0.01% |
| Average Daily Volume (10 Day) | 62,380,670 | 3,743,680 |
| Average Daily Volume (90 Day) | 66,832,047 | 3,281,123 |
| 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 |