SoFi Technologies [SOFI] vs Capital One [COF] Detailed Stock Comparison

SoFi Technologies Inc.

NASDAQ
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Capital One Financial Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: SoFi Technologies Inc. wins in 6 metrics, Capital One Financial Corporation wins in 12 metrics, with 0 ties. Capital One Financial Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric SoFi Technologies Inc. Capital One Financial Corporation Better
P/E Ratio (TTM) 46.97 60.69 SoFi Technologies Inc.
Price-to-Book Ratio 2.22 1.13 Capital One Financial Corporation
Debt-to-Equity Ratio 18.49 0.46 Capital One Financial Corporation
PEG Ratio -0.86 -17.50 SoFi Technologies Inc.
Profit Margin (TTM) 13.43% 8.88% SoFi Technologies Inc.
Operating Margin (TTM) 18.18% 28.59% Capital One Financial Corporation
EBITDA Margin (TTM) 18.18% 28.59% Capital One Financial Corporation
Return on Equity 5.66% 3.26% SoFi Technologies Inc.
Return on Assets (TTM) 1.11% 0.49% SoFi Technologies Inc.
Free Cash Flow (TTM) $-3.99B $26.14B Capital One Financial Corporation
Dividend Yield N/A 1.47% N/A
1-Year Return 17.67% -4.20% SoFi Technologies Inc.
Price-to-Sales Ratio (TTM) 6.52 3.43 Capital One Financial Corporation
Enterprise Value $20.30B $101.91B Capital One Financial Corporation
EV/Revenue Ratio 5.67 2.81 Capital One Financial Corporation
Revenue per Share (TTM) $3 $60 Capital One Financial Corporation
Earnings per Share (Diluted) $0.39 $3.24 Capital One Financial Corporation
Beta (Stock Volatility) 2.25 1.14 Capital One Financial Corporation
Short % of Float 13.12% 1.42% Capital One Financial Corporation

SoFi Technologies Inc. vs Capital One Financial Corporation Stock Performance Analysis

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SOFI
COF

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
SoFi Technologies Inc.3.32%3.82%9.74%-2.84%-33.66%-37.62%
Capital One Financial Corporation5.35%7.89%3.98%7.66%-18.84%-21.50%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
SoFi Technologies Inc.17.67%92.79%-28.04%-11.53%-11.53%-11.53%
Capital One Financial Corporation-4.20%67.83%23.14%187.79%278.24%120.39%

Performance & Financial Health Analysis: SoFi Technologies Inc. vs Capital One Financial Corporation

MetricSOFICOF
Market Information
Market Cap i$23.36B$121.38B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i57,300,5294,080,678
90 Day Avg. Volume i61,807,3864,704,259
Last Close$17.13$194.62
52 Week Range$14.23 - $32.73$174.24 - $259.64
% from 52W High-47.66%-25.04%
All-Time High$32.72 (Nov 12, 2025)$259.61 (Jan 06, 2026)
% from All-Time High-47.65%-25.03%
Growth Metrics
Quarterly Revenue Growth0.40%0.46%
Quarterly Earnings Growth-0.48%0.55%
Financial Health
Profit Margin (TTM) i0.13%0.09%
Operating Margin (TTM) i0.18%0.29%
Return on Equity (TTM) i0.06%0.03%
Debt to Equity (MRQ) i18.490.46
Cash & Liquidity
Book Value per Share (MRQ)$8.26$173.49
Cash per Share (MRQ)$3.92$124.20
Operating Cash Flow (TTM) i$-3,742,458,112$6.98B
Levered Free Cash Flow (TTM) i$481.32M$2.18B
Dividends
Last 12-Month Dividend Yield iN/A1.47%
Last 12-Month Dividend iN/A$2.80

Valuation & Enterprise Metrics Analysis: SoFi Technologies Inc. vs Capital One Financial Corporation

MetricSOFI (Apr 24, 2026)COF (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i46.9760.69
Forward P/E i23.228.25
PEG Ratio i-0.86-17.50
Price to Sales (TTM) i6.523.43
Price to Book (MRQ) i2.221.13
Market Capitalization
Market Capitalization i$23.36B$121.38B
Enterprise Value i$20.30B$101.91B
Enterprise Value Metrics
Enterprise to Revenue i5.672.81
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i2.251.14
Book Value per Share (MRQ) i$8.26$173.49

Financial Statements Comparison: SoFi Technologies Inc. vs Capital One Financial Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSOFI (2025)COF (2025)
Revenue/Sales i3.61B53.43B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i525.86M2.28B
Pre-Tax Income % of Revenue i14.6%4.3%
Income Tax i44.54M193.00M
Income Tax % of Revenue i1.2%0.4%
Net Income (Profit) i481.32M2.45B
Profit Margin i13.3%4.6%

Balance Sheet & Liquidity Metrics

MetricSOFI (2025)COF (2025)
Cash & Equivalents i4.93B57.43B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i1.45B49.91B
Long-Term Debt % of Revenue i40.1%93.4%
Total Shareholders Equity i10.49B113.62B
Retained Earnings i-824.28M65.19B
Retained Earnings % of Revenue i-22.8%122.0%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricSOFI (2025)COF (2025)
Operating Cash Flow i626.05M6.98B
Operating Cash Flow % of Revenue i17.3%13.1%
Capital Expenditures i-242.44M-1.58B
Free Cash Flow i-3.99B26.14B
FCF Margin i-110.5%48.9%
Debt Repayment i-1.29B-17.86B
Common Stock Repurchase i0-4.60B

Short Interest & Institutional Ownership Analysis

MetricSOFICOF
Shares Short i165.26M7.89M
Short Ratio i2.391.46
Short % of Float i13.12%1.42%
Shares Outstanding i1.27B634.20M
Float Shares i1.26B603.13M
% Held by Insiders i1.46%1.88%
% Held by Institutions i55.63%87.17%
% Held by Public i42.91%10.95%

Dividend Analysis & Yield Comparison: SoFi Technologies Inc. vs Capital One Financial Corporation

MetricSOFICOF
Last 12-Month Dividend iN/A$2.80
Last 12-Month Dividend Yield iN/A1.47%
3-Year Avg Annual Dividend iN/A$2.53
3-Year Avg Dividend Yield iN/A0.41%
3-Year Total Dividends iN/A$7.60
Ex-Dividend DateN/AFeb 19, 2026