SoFi Technologies [SOFI] vs Mastercard [MA] Detailed Stock Comparison

SoFi Technologies

NASDAQ
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Mastercard

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: SoFi Technologies wins in 6 metrics, Mastercard wins in 11 metrics, with 0 ties. Mastercard appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricSoFi TechnologiesMastercardBetter
P/E Ratio (TTM)50.4839.11Mastercard
Price-to-Book Ratio4.1066.96SoFi Technologies
Debt-to-Equity Ratio59.67240.92SoFi Technologies
PEG Ratio0.062.41SoFi Technologies
EV/EBITDAN/A28.46N/A
Profit Margin (TTM)18.54%44.93%Mastercard
Operating Margin (TTM)13.28%59.92%Mastercard
EBITDA Margin (TTM)13.28%59.92%Mastercard
Return on Equity8.80%176.95%Mastercard
Return on Assets (TTM)1.52%23.68%Mastercard
Free Cash Flow (TTM)$-1.28B$13.59BMastercard
Dividend YieldN/A0.53%N/A
1-Year Return200.83%16.63%SoFi Technologies
Price-to-Sales Ratio (TTM)9.9817.35SoFi Technologies
Enterprise Value$32.18B$534.36BMastercard
EV/Revenue Ratio10.6217.67SoFi Technologies
Gross Profit Margin (TTM)N/A77.23%N/A
Revenue per Share (TTM)$3$33Mastercard
Earnings per Share (Diluted)$0.50$14.84Mastercard
Beta (Stock Volatility)1.930.97Mastercard
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

SoFi Technologies vs Mastercard Stock Performance Analysis

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SoFi Technologies
Mastercard
SoFi Technologies Stock Overview | Mastercard Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
SoFi Technologies-2.81%-9.79%3.06%35.92%137.22%78.63%
Mastercard0.54%2.71%-2.16%1.97%9.41%11.11%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
SoFi Technologies200.83%403.79%34.69%34.69%34.69%34.69%
Mastercard16.63%96.78%64.72%505.77%2,507.59%12,827.62%

News Based Sentiment: SoFi Technologies vs Mastercard

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.

View SoFi Technologies News Sentiment Analysis

Mastercard

News based Sentiment: POSITIVE

Mastercard delivered strong Q2 earnings, launched new initiatives in advertising and digital identity, and expanded support for small businesses. These developments, combined with positive stock performance, indicate a positive trajectory for the company, though valuation remains a consideration.

View Mastercard News Sentiment Analysis

Performance & Financial Health Analysis: SoFi Technologies vs Mastercard

MetricSOFIMA
Market Information
Market Cap i$32.32B$524.73B
Market Cap CategoryLarge capMega cap
10 Day Avg. Volume i62,380,6702,763,400
90 Day Avg. Volume i66,832,0472,666,430
Last Close$25.24$580.45
52 Week Range$7.65 - $30.30$465.59 - $601.77
% from 52W High-16.70%-3.54%
All-Time High$30.30 (Sep 22, 2025)$601.77 (Aug 22, 2025)
% from All-Time High-16.70%-3.54%
Growth Metrics
Quarterly Revenue Growth0.44%0.17%
Quarterly Earnings Growth4.59%0.14%
Financial Health
Profit Margin (TTM) i0.19%0.45%
Operating Margin (TTM) i0.13%0.60%
Return on Equity (TTM) i0.09%1.77%
Debt to Equity (MRQ) i59.67240.92
Cash & Liquidity
Book Value per Share (MRQ)$6.16$8.67
Cash per Share (MRQ)$1.78$10.36
Operating Cash Flow (TTM) i$-2,819,089,920$16.95B
Levered Free Cash Flow (TTM) i$479.14M$15.46B
Dividends
Last 12-Month Dividend Yield iN/A0.53%
Last 12-Month Dividend iN/A$2.84

Valuation & Enterprise Metrics Analysis: SoFi Technologies vs Mastercard

MetricSOFIMA
Price Ratios
P/E Ratio (TTM) i50.4839.11
Forward P/E i87.0335.44
PEG Ratio i0.062.41
Price to Sales (TTM) i9.9817.35
Price to Book (MRQ) i4.1066.96
Market Capitalization
Market Capitalization i$32.32B$524.73B
Enterprise Value i$32.18B$534.36B
Enterprise Value Metrics
Enterprise to Revenue i10.6217.67
Enterprise to EBITDA iN/A28.46
Risk & Other Metrics
Beta i1.930.97
Book Value per Share (MRQ) i$6.16$8.67

Financial Statements Comparison: SoFi Technologies vs Mastercard

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)SOFIMA
Revenue/Sales i$771.76M$7.25B
Cost of Goods Sold iN/A$1.69B
Gross Profit iN/A$5.56B
Research & Development iN/AN/A
Operating Income (EBIT) iN/A$4.30B
EBITDA iN/A$4.58B
Pre-Tax Income i$79.78M$4.03B
Income Tax i$8.67M$751.00M
Net Income (Profit) i$71.12M$3.28B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)SOFIMA
Cash & Equivalents i$2.09B$7.58B
Total Current Assets iN/A$19.80B
Total Current Liabilities iN/A$17.83B
Long-Term Debt i$2.65B$18.80B
Total Shareholders Equity i$6.68B$6.70B
Retained Earnings i$-1.23B$75.50B
Property, Plant & Equipment i$394.44MN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)SOFIMA
Operating Cash Flow i$372.79M$4.47B
Capital Expenditures i$-52.60M$-159.00M
Free Cash Flow i$-32.75M$2.02B
Debt Repayment i$-49.11M$-750.00M
Common Stock Repurchase iN/A$-2.55B

Short Interest & Institutional Ownership Analysis

MetricSOFIMA
Shares Short i107.60M5.88M
Short Ratio i1.602.55
Short % of Float i0.09%0.01%
Average Daily Volume (10 Day) i62,380,6702,763,400
Average Daily Volume (90 Day) i66,832,0472,666,430
Shares Outstanding i1.10B913.40M
Float Shares i1.18B896.00M
% Held by Insiders i0.03%0.01%
% Held by Institutions i0.54%0.90%

Dividend Analysis & Yield Comparison: SoFi Technologies vs Mastercard

MetricSOFIMA
Last 12-Month Dividend iN/A$2.84
Last 12-Month Dividend Yield iN/A0.53%
3-Year Avg Annual Dividend iN/A$2.09
3-Year Avg Dividend Yield iN/A0.15%
3-Year Total Dividends iN/A$6.28
Ex-Dividend DateN/AApr 09, 2025