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
| Metric | SoFi Technologies | Mastercard | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 47.54 | 39.22 | Mastercard |
| Price-to-Book Ratio | 3.86 | 67.11 | SoFi Technologies |
| Debt-to-Equity Ratio | 59.67 | 240.92 | SoFi Technologies |
| PEG Ratio | 0.06 | 35.51 | SoFi Technologies |
| EV/EBITDA | N/A | 28.52 | N/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 Equity | 8.80% | 176.95% | Mastercard |
| Return on Assets (TTM) | 1.52% | 23.68% | Mastercard |
| Free Cash Flow (TTM) | $-1.28B | $13.59B | Mastercard |
| Dividend Yield | N/A | 0.53% | N/A |
| 1-Year Return | 202.53% | 25.53% | SoFi Technologies |
| Price-to-Sales Ratio (TTM) | 9.40 | 17.39 | SoFi Technologies |
| Enterprise Value | $30.42B | $535.49B | Mastercard |
| EV/Revenue Ratio | 10.04 | 17.71 | SoFi Technologies |
| Gross Profit Margin (TTM) | N/A | 77.23% | N/A |
| Revenue per Share (TTM) | $3 | $33 | Mastercard |
| Earnings per Share (Diluted) | $0.50 | $14.83 | Mastercard |
| Beta (Stock Volatility) | 1.94 | 1.03 | Mastercard |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
SoFi Technologies vs Mastercard 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% |
| Mastercard | 0.23% | 1.97% | 5.56% | -0.15% | 2.99% | 12.08% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| SoFi Technologies | 202.53% | 268.12% | 21.40% | 21.40% | 21.40% | 21.40% |
| Mastercard | 25.53% | 76.38% | 59.92% | 522.35% | 2,734.03% | 12,940.31% |
Performance & Financial Health Analysis: SoFi Technologies vs Mastercard
| Metric | SOFI | MA |
|---|---|---|
| Market Information | ||
| Market Cap | $28.46B | $525.86B |
| Market Cap Category | Large cap | Mega cap |
| 10 Day Avg. Volume | 52,815,510 | 2,596,980 |
| 90 Day Avg. Volume | 73,245,833 | 2,594,607 |
| Last Close | $22.75 | $585.51 |
| 52 Week Range | $6.75 - $25.11 | $461.90 - $594.71 |
| % from 52W High | -9.40% | -1.55% |
| All-Time High | $28.26 (Feb 01, 2021) | $594.71 (Jun 11, 2025) |
| % from All-Time High | -19.50% | -1.55% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.44% | 0.17% |
| Quarterly Earnings Growth | 4.59% | 0.14% |
| Financial Health | ||
| Profit Margin (TTM) | 0.19% | 0.45% |
| Operating Margin (TTM) | 0.13% | 0.60% |
| Return on Equity (TTM) | 0.09% | 1.77% |
| Debt to Equity (MRQ) | 59.67 | 240.92 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $6.16 | $8.67 |
| Cash per Share (MRQ) | $1.78 | $10.36 |
| Operating Cash Flow (TTM) | $-2,819,089,920 | $16.95B |
| Levered Free Cash Flow (TTM) | $479.14M | $15.46B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.53% |
| Last 12-Month Dividend | N/A | $2.84 |
Valuation & Enterprise Metrics Analysis: SoFi Technologies vs Mastercard
| Metric | SOFI | MA |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 47.54 | 39.22 |
| Forward P/E | 81.97 | 35.51 |
| PEG Ratio | 0.06 | 35.51 |
| Price to Sales (TTM) | 9.40 | 17.39 |
| Price to Book (MRQ) | 3.86 | 67.11 |
| Market Capitalization | ||
| Market Capitalization | $28.46B | $525.86B |
| Enterprise Value | $30.42B | $535.49B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.04 | 17.71 |
| Enterprise to EBITDA | N/A | 28.52 |
| Risk & Other Metrics | ||
| Beta | 1.94 | 1.03 |
| Book Value per Share (MRQ) | $6.16 | $8.67 |
Financial Statements Comparison: SoFi Technologies vs Mastercard
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 | MA |
|---|---|---|
| Revenue/Sales | $771.76M | $7.25B |
| Cost of Goods Sold | N/A | $1.69B |
| Gross Profit | N/A | $5.56B |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | $4.30B |
| EBITDA | N/A | $4.58B |
| Pre-Tax Income | $79.78M | $4.03B |
| Income Tax | $8.67M | $751.00M |
| Net Income (Profit) | $71.12M | $3.28B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | SOFI | MA |
|---|---|---|
| Cash & Equivalents | $2.09B | $7.58B |
| Total Current Assets | N/A | $19.80B |
| Total Current Liabilities | N/A | $17.83B |
| Long-Term Debt | $2.65B | $18.80B |
| Total Shareholders Equity | $6.68B | $6.70B |
| Retained Earnings | $-1.23B | $75.50B |
| Property, Plant & Equipment | $394.44M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | SOFI | MA |
|---|---|---|
| Operating Cash Flow | $372.79M | $4.47B |
| Capital Expenditures | $-52.60M | $-159.00M |
| Free Cash Flow | $-32.75M | $2.02B |
| Debt Repayment | $-49.11M | $-750.00M |
| Common Stock Repurchase | N/A | $-2.55B |
Short Interest & Institutional Ownership Analysis
| Metric | SOFI | MA |
|---|---|---|
| Shares Short | 112.01M | 5.16M |
| Short Ratio | 1.33 | 1.93 |
| Short % of Float | 0.09% | 0.01% |
| Average Daily Volume (10 Day) | 52,815,510 | 2,596,980 |
| Average Daily Volume (90 Day) | 73,245,833 | 2,594,607 |
| Shares Outstanding | 1.10B | 913.40M |
| Float Shares | 1.18B | 896.05M |
| % Held by Insiders | 0.03% | 0.01% |
| % Held by Institutions | 0.54% | 0.91% |
Dividend Analysis & Yield Comparison: SoFi Technologies vs Mastercard
| Metric | SOFI | MA |
|---|---|---|
| Last 12-Month Dividend | N/A | $2.84 |
| Last 12-Month Dividend Yield | N/A | 0.53% |
| 3-Year Avg Annual Dividend | N/A | $2.09 |
| 3-Year Avg Dividend Yield | N/A | 0.15% |
| 3-Year Total Dividends | N/A | $6.28 |
| Ex-Dividend Date | N/A | Apr 09, 2025 |