SoFi Technologies [SOFI] vs Discover Financial [DFS] Detailed Stock Comparison

SoFi Technologies

NASDAQ

Discover Financial

NYSE

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)	47.54	10.69	Discover Financial
Price-to-Book Ratio	3.86	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	202.53%	59.50%	SoFi Technologies
Price-to-Sales Ratio (TTM)	9.40	3.77	Discover Financial
Enterprise Value	$30.42B	$54.07B	Discover Financial
EV/Revenue Ratio	10.04	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)	1.94	1.15	Discover Financial

Performance

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	-6.11%	-3.81%	7.51%	65.70%	40.61%	61.00%
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	202.53%	268.12%	21.40%	21.40%	21.40%	21.40%
Discover Financial	59.50%	92.69%	394.32%	235.99%	1,378.57%	587.93%

Performance Comparison

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SoFi Technologies (SOFI): View Full Stock Overview

Discover Financial (DFS): View Full Stock Overview

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Key Performance Metrics Available:

Daily, weekly, monthly, and yearly returns
52-week high and low prices
Market capitalization and valuation ratios
Financial health and profitability metrics
Dividend history and yield information

Performance & Financial Health Analysis: SoFi Technologies vs Discover Financial

Metric	SOFI	DFS
Market Information
Market Cap i	$28.46B	$50.34B
Market Cap Category	Large cap	Large cap
10 Day Avg. Volume i	52,815,510	5,150,998
90 Day Avg. Volume i	73,245,833	3,227,899
Last Close	$22.75	$200.05
52 Week Range	$6.75 - $25.11	$119.95 - $207.42
% from 52W High	-9.40%	-3.55%
All-Time High	$28.26 (Feb 01, 2021)	$207.42 (May 12, 2025)
% from All-Time High	-19.50%	-3.55%
Growth Metrics
Quarterly Revenue Growth	0.44%	0.13%
Quarterly Earnings Growth	4.59%	0.30%
Financial Health
Profit Margin (TTM) i	0.19%	0.36%
Operating Margin (TTM) i	0.13%	0.48%
Return on Equity (TTM) i	0.09%	0.28%
Debt to Equity (MRQ) i	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) i	$-2,819,089,920	$8.71B
Levered Free Cash Flow (TTM) i	$479.14M	$4.45B
Dividends
Last 12-Month Dividend Yield i	N/A	N/A
Last 12-Month Dividend i	N/A	N/A

Valuation & Enterprise Metrics Analysis: SoFi Technologies vs Discover Financial

Metric	SOFI	DFS
Price Ratios
P/E Ratio (TTM) i	47.54	10.69
Forward P/E i	81.97	15.76
PEG Ratio i	0.06	15.76
Price to Sales (TTM) i	9.40	3.77
Price to Book (MRQ) i	3.86	2.81
Market Capitalization
Market Capitalization i	$28.46B	$50.34B
Enterprise Value i	$30.42B	$54.07B
Enterprise Value Metrics
Enterprise to Revenue i	10.04	4.05
Enterprise to EBITDA i	N/A	N/A
Risk & Other Metrics
Beta i	1.94	1.15
Book Value per Share (MRQ) i	$6.16	$71.16

Financial Statements Comparison: SoFi Technologies vs Discover Financial

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)	SOFI	DFS
Revenue/Sales i	$771.76M	$4.76B
Cost of Goods Sold i	N/A	N/A
Gross Profit i	N/A	N/A
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	N/A
EBITDA i	N/A	N/A
Pre-Tax Income i	$79.78M	$1.70B
Income Tax i	$8.67M	$411.00M
Net Income (Profit) i	$71.12M	$1.29B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)	SOFI	DFS
Cash & Equivalents i	$2.09B	$11.87B
Total Current Assets i	N/A	N/A
Total Current Liabilities i	N/A	N/A
Long-Term Debt i	$2.65B	$14.54B
Total Shareholders Equity i	$6.68B	$18.96B
Retained Earnings i	$-1.23B	$34.48B
Property, Plant & Equipment i	$394.44M	N/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)	SOFI	DFS
Operating Cash Flow i	$372.79M	$1.29B
Capital Expenditures i	$-52.60M	$-63.00M
Free Cash Flow i	$-32.75M	$1.92B
Debt Repayment i	$-49.11M	$-1.83B
Common Stock Repurchase i	N/A	$-21.00M

Short Interest & Institutional Ownership Analysis

Metric	SOFI	DFS
Shares Short i	112.01M	5.45M
Short Ratio i	1.33	2.12
Short % of Float i	0.09%	0.02%
Average Daily Volume (10 Day) i	52,815,510	5,150,998
Average Daily Volume (90 Day) i	73,245,833	3,227,899
Shares Outstanding i	1.10B	251.34M
Float Shares i	1.18B	250.18M
% Held by Insiders i	0.03%	0.00%
% Held by Institutions i	0.54%	0.87%

Dividend Analysis & Yield Comparison: SoFi Technologies vs Discover Financial

Metric	SOFI	DFS
Last 12-Month Dividend i	N/A	N/A
Last 12-Month Dividend Yield i	N/A	N/A
3-Year Avg Annual Dividend i	N/A	N/A
3-Year Avg Dividend Yield i	N/A	N/A
3-Year Total Dividends i	N/A	N/A
Ex-Dividend Date	N/A	N/A

SoFi Technologies [SOFI] vs Discover Financial [DFS] Detailed Stock Comparison