SoFi Technologies [SOFI] vs Discover Financial [DFS] Detailed Stock Comparison
SoFi Technologies
NASDAQ
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Discover Financial
NYSE
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TLDR: Quick Comparison Summary
Based on 17 vital metrics comparison: SoFi Technologies wins in 3 metrics, Discover Financial wins in 14 metrics, with 0 ties. Discover Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | SoFi Technologies | Discover Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 50.48 | 10.69 | Discover Financial |
| Price-to-Book Ratio | 4.10 | 2.81 | Discover Financial |
| Debt-to-Equity Ratio | 59.67 | 76.67 | SoFi Technologies |
| PEG Ratio | 0.06 | 15.76 | SoFi Technologies |
| Profit Margin (TTM) | 18.54% | 35.88% | Discover Financial |
| Operating Margin (TTM) | 13.28% | 48.02% | Discover Financial |
| EBITDA Margin (TTM) | 13.28% | 48.02% | Discover Financial |
| Return on Equity | 8.80% | 28.47% | Discover Financial |
| Return on Assets (TTM) | 1.52% | 3.19% | Discover Financial |
| Free Cash Flow (TTM) | $-1.28B | $8.16B | Discover Financial |
| 1-Year Return | 200.83% | 59.50% | SoFi Technologies |
| Price-to-Sales Ratio (TTM) | 9.98 | 3.77 | Discover Financial |
| Enterprise Value | $32.18B | $54.07B | Discover Financial |
| EV/Revenue Ratio | 10.62 | 4.05 | Discover Financial |
| Revenue per Share (TTM) | $3 | $53 | Discover Financial |
| Earnings per Share (Diluted) | $0.50 | $18.72 | Discover Financial |
| Beta (Stock Volatility) | 1.93 | 1.15 | Discover Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
SoFi Technologies vs Discover Financial 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% |
| Discover Financial | -0.21% | 5.25% | 27.98% | 1.92% | 15.49% | 14.84% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| SoFi Technologies | 200.83% | 403.79% | 34.69% | 34.69% | 34.69% | 34.69% |
| Discover Financial | 59.50% | 92.69% | 394.32% | 235.99% | 1,378.57% | 587.93% |
News Based Sentiment: SoFi Technologies vs Discover Financial
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.
Discover Financial
News sentiment data is not available for Discover Financial at this time.
Performance & Financial Health Analysis: SoFi Technologies vs Discover Financial
| Metric | SOFI | DFS |
|---|---|---|
| Market Information | ||
| Market Cap | $32.32B | $50.34B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 62,380,670 | 5,150,998 |
| 90 Day Avg. Volume | 66,832,047 | 3,227,899 |
| Last Close | $25.24 | $200.05 |
| 52 Week Range | $7.65 - $30.30 | $119.95 - $207.42 |
| % from 52W High | -16.70% | -3.55% |
| All-Time High | $30.30 (Sep 22, 2025) | $207.42 (May 12, 2025) |
| % from All-Time High | -16.70% | -3.55% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.44% | 0.13% |
| Quarterly Earnings Growth | 4.59% | 0.30% |
| Financial Health | ||
| Profit Margin (TTM) | 0.19% | 0.36% |
| Operating Margin (TTM) | 0.13% | 0.48% |
| Return on Equity (TTM) | 0.09% | 0.28% |
| Debt to Equity (MRQ) | 59.67 | 76.67 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $6.16 | $71.16 |
| Cash per Share (MRQ) | $1.78 | $47.16 |
| Operating Cash Flow (TTM) | $-2,819,089,920 | $8.71B |
| Levered Free Cash Flow (TTM) | $479.14M | $4.45B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | N/A |
Valuation & Enterprise Metrics Analysis: SoFi Technologies vs Discover Financial
| Metric | SOFI | DFS |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 50.48 | 10.69 |
| Forward P/E | 87.03 | 15.76 |
| PEG Ratio | 0.06 | 15.76 |
| Price to Sales (TTM) | 9.98 | 3.77 |
| Price to Book (MRQ) | 4.10 | 2.81 |
| Market Capitalization | ||
| Market Capitalization | $32.32B | $50.34B |
| Enterprise Value | $32.18B | $54.07B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.62 | 4.05 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.93 | 1.15 |
| Book Value per Share (MRQ) | $6.16 | $71.16 |
Financial Statements Comparison: SoFi Technologies vs Discover Financial
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 | DFS |
|---|---|---|
| Revenue/Sales | $771.76M | $4.76B |
| 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 | $1.70B |
| Income Tax | $8.67M | $411.00M |
| Net Income (Profit) | $71.12M | $1.29B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | SOFI | DFS |
|---|---|---|
| Cash & Equivalents | $2.09B | $11.87B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $2.65B | $14.54B |
| Total Shareholders Equity | $6.68B | $18.96B |
| Retained Earnings | $-1.23B | $34.48B |
| Property, Plant & Equipment | $394.44M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | SOFI | DFS |
|---|---|---|
| Operating Cash Flow | $372.79M | $1.29B |
| Capital Expenditures | $-52.60M | $-63.00M |
| Free Cash Flow | $-32.75M | $1.92B |
| Debt Repayment | $-49.11M | $-1.83B |
| Common Stock Repurchase | N/A | $-21.00M |
Short Interest & Institutional Ownership Analysis
| Metric | SOFI | DFS |
|---|---|---|
| Shares Short | 107.60M | 5.45M |
| Short Ratio | 1.60 | 2.12 |
| Short % of Float | 0.09% | 0.02% |
| Average Daily Volume (10 Day) | 62,380,670 | 5,150,998 |
| Average Daily Volume (90 Day) | 66,832,047 | 3,227,899 |
| Shares Outstanding | 1.10B | 251.34M |
| Float Shares | 1.18B | 250.18M |
| % Held by Insiders | 0.03% | 0.00% |
| % Held by Institutions | 0.54% | 0.87% |
Dividend Analysis & Yield Comparison: SoFi Technologies vs Discover Financial
| Metric | SOFI | DFS |
|---|---|---|
| Last 12-Month Dividend | N/A | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | N/A | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | N/A | N/A |
| Ex-Dividend Date | N/A | N/A |