SoFi Technologies [SOFI] vs Discover Financial [DFS] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: SoFi Technologies Inc. wins in 2 metrics, Discover Financial Services wins in 16 metrics, with 0 ties. Discover Financial Services appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | SoFi Technologies Inc. | Discover Financial Services | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 46.97 | 10.69 | Discover Financial Services |
| Price-to-Book Ratio | 2.22 | 2.81 | SoFi Technologies Inc. |
| Debt-to-Equity Ratio | 18.49 | 76.67 | SoFi Technologies Inc. |
| PEG Ratio | -0.86 | 15.76 | Discover Financial Services |
| Profit Margin (TTM) | 13.43% | 35.88% | Discover Financial Services |
| Operating Margin (TTM) | 18.18% | 48.02% | Discover Financial Services |
| EBITDA Margin (TTM) | 18.18% | 48.02% | Discover Financial Services |
| Return on Equity | 5.66% | 28.47% | Discover Financial Services |
| Return on Assets (TTM) | 1.11% | 3.19% | Discover Financial Services |
| Free Cash Flow (TTM) | $-3.99B | $8.16B | Discover Financial Services |
| 1-Year Return | 17.67% | 59.50% | Discover Financial Services |
| Price-to-Sales Ratio (TTM) | 6.52 | 3.77 | Discover Financial Services |
| Enterprise Value | $20.30B | $54.07B | Discover Financial Services |
| EV/Revenue Ratio | 5.67 | 4.05 | Discover Financial Services |
| Revenue per Share (TTM) | $3 | $53 | Discover Financial Services |
| Earnings per Share (Diluted) | $0.39 | $18.72 | Discover Financial Services |
| Beta (Stock Volatility) | 2.25 | 1.15 | Discover Financial Services |
| Short % of Float | 13.12% | 2.49% | Discover Financial Services |
SoFi Technologies Inc. vs Discover Financial Services Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| SoFi Technologies Inc. | 3.32% | 3.82% | 9.74% | -2.84% | -33.66% | -37.62% |
| Discover Financial Services | -0.21% | 5.25% | 27.98% | 32.59% | 32.59% | 32.59% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| SoFi Technologies Inc. | 17.67% | 92.79% | -28.04% | -11.53% | -11.53% | -11.53% |
| Discover Financial Services | 59.50% | 92.69% | 394.32% | 235.99% | 1,378.57% | 587.93% |
Performance & Financial Health Analysis: SoFi Technologies Inc. vs Discover Financial Services
| Metric | SOFI | DFS |
|---|---|---|
| Market Information | ||
| Market Cap | $23.36B | $50.34B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 57,300,529 | 5,150,998 |
| 90 Day Avg. Volume | 61,807,386 | 3,227,899 |
| Last Close | $17.13 | $200.05 |
| 52 Week Range | $14.23 - $32.73 | $119.95 - $207.42 |
| % from 52W High | -47.66% | -3.55% |
| All-Time High | $32.72 (Nov 12, 2025) | $207.42 (May 12, 2025) |
| % from All-Time High | -47.65% | -3.55% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.40% | 0.13% |
| Quarterly Earnings Growth | -0.48% | 0.30% |
| Financial Health | ||
| Profit Margin (TTM) | 0.13% | 0.36% |
| Operating Margin (TTM) | 0.18% | 0.48% |
| Return on Equity (TTM) | 0.06% | 0.28% |
| Debt to Equity (MRQ) | 18.49 | 76.67 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $8.26 | $71.16 |
| Cash per Share (MRQ) | $3.92 | $47.16 |
| Operating Cash Flow (TTM) | $-3,742,458,112 | $8.71B |
| Levered Free Cash Flow (TTM) | $481.32M | $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 Inc. vs Discover Financial Services
| Metric | SOFI (Apr 24, 2026) | DFS (May 30, 2025) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 46.97 | 10.69 |
| Forward P/E | 23.22 | 15.76 |
| PEG Ratio | -0.86 | 15.76 |
| Price to Sales (TTM) | 6.52 | 3.77 |
| Price to Book (MRQ) | 2.22 | 2.81 |
| Market Capitalization | ||
| Market Capitalization | $23.36B | $50.34B |
| Enterprise Value | $20.30B | $54.07B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.67 | 4.05 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 2.25 | 1.15 |
| Book Value per Share (MRQ) | $8.26 | $71.16 |
Financial Statements Comparison: SoFi Technologies Inc. vs Discover Financial Services
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | SOFI (2025) | DFS (2024) |
|---|---|---|
| Revenue/Sales | 3.61B | 17.91B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 525.86M | 6.07B |
| Pre-Tax Income % of Revenue | 14.6% | 33.9% |
| Income Tax | 44.54M | 1.54B |
| Income Tax % of Revenue | 1.2% | 8.6% |
| Net Income (Profit) | 481.32M | 4.54B |
| Profit Margin | 13.3% | 25.3% |
Balance Sheet & Liquidity Metrics
| Metric | SOFI (2025) | DFS (2024) |
|---|---|---|
| Cash & Equivalents | 4.93B | 8.47B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 1.45B | 16.25B |
| Long-Term Debt % of Revenue | 40.1% | 90.7% |
| Total Shareholders Equity | 10.49B | 17.93B |
| Retained Earnings | -824.28M | 33.58B |
| Retained Earnings % of Revenue | -22.8% | 187.5% |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison
| Metric | SOFI (2025) | DFS (2024) |
|---|---|---|
| Operating Cash Flow | 626.05M | 4.70B |
| Operating Cash Flow % of Revenue | 17.3% | 26.2% |
| Capital Expenditures | -242.44M | -209.00M |
| Free Cash Flow | -3.99B | 8.16B |
| FCF Margin | -110.5% | 45.5% |
| Debt Repayment | -1.29B | -5.07B |
| Common Stock Repurchase | 0 | -83.00M |
Short Interest & Institutional Ownership Analysis
| Metric | SOFI | DFS |
|---|---|---|
| Shares Short | 165.26M | 5.45M |
| Short Ratio | 2.39 | 2.12 |
| Short % of Float | 13.12% | 2.49% |
| Shares Outstanding | 1.27B | 251.34M |
| Float Shares | 1.26B | 250.18M |
| % Held by Insiders | 1.46% | 0.16% |
| % Held by Institutions | 55.63% | 86.52% |
| % Held by Public | 42.91% | 13.32% |
Dividend Analysis & Yield Comparison: SoFi Technologies Inc. vs Discover Financial Services
| 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 |