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

SoFi Technologies Inc.

NASDAQ
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Mastercard Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: SoFi Technologies Inc. wins in 5 metrics, Mastercard Inc. wins in 13 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric SoFi Technologies Inc. Mastercard Inc. Better
P/E Ratio (TTM) 46.97 30.95 Mastercard Inc.
Price-to-Book Ratio 2.22 59.09 SoFi Technologies Inc.
Debt-to-Equity Ratio 18.49 256.04 SoFi Technologies Inc.
PEG Ratio -0.86 1.27 Mastercard Inc.
EV/EBITDA N/A 22.63 N/A
Profit Margin (TTM) 13.43% 45.65% Mastercard Inc.
Operating Margin (TTM) 18.18% 57.73% Mastercard Inc.
EBITDA Margin (TTM) 18.18% 57.73% Mastercard Inc.
Return on Equity 5.66% 209.92% Mastercard Inc.
Return on Assets (TTM) 1.11% 23.72% Mastercard Inc.
Free Cash Flow (TTM) $-3.99B $16.43B Mastercard Inc.
Dividend Yield N/A 0.55% N/A
1-Year Return 17.67% -12.82% SoFi Technologies Inc.
Price-to-Sales Ratio (TTM) 6.52 13.92 SoFi Technologies Inc.
Enterprise Value $20.30B $464.97B Mastercard Inc.
EV/Revenue Ratio 5.67 14.18 SoFi Technologies Inc.
Gross Profit Margin (TTM) N/A 79.35% N/A
Revenue per Share (TTM) $3 $36 Mastercard Inc.
Earnings per Share (Diluted) $0.39 $16.52 Mastercard Inc.
Beta (Stock Volatility) 2.25 0.83 Mastercard Inc.
Short % of Float 13.12% 0.70% Mastercard Inc.

SoFi Technologies Inc. vs Mastercard Inc. Stock Performance Analysis

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SOFI
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
SoFi Technologies Inc.3.32%3.82%9.74%-2.84%-33.66%-37.62%
Mastercard Inc.0.13%1.02%-0.72%-3.51%-13.79%-12.87%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
SoFi Technologies Inc.17.67%92.79%-28.04%-11.53%-11.53%-11.53%
Mastercard Inc.-12.82%30.13%33.36%425.22%1,741.34%10,788.44%

Performance & Financial Health Analysis: SoFi Technologies Inc. vs Mastercard Inc.

MetricSOFIMA
Market Information
Market Cap i$23.36B$448.34B
Market Cap CategoryLarge capMega cap
10 Day Avg. Volume i57,300,5293,152,477
90 Day Avg. Volume i61,807,3863,291,506
Last Close$17.13$490.64
52 Week Range$14.23 - $32.73$464.52 - $601.77
% from 52W High-47.66%-18.47%
All-Time High$32.72 (Nov 12, 2025)$601.77 (Aug 22, 2025)
% from All-Time High-47.65%-18.47%
Growth Metrics
Quarterly Revenue Growth0.40%0.18%
Quarterly Earnings Growth-0.48%0.22%
Financial Health
Profit Margin (TTM) i0.13%0.46%
Operating Margin (TTM) i0.18%0.58%
Return on Equity (TTM) i0.06%2.10%
Debt to Equity (MRQ) i18.49256.04
Cash & Liquidity
Book Value per Share (MRQ)$8.26$8.65
Cash per Share (MRQ)$3.92$12.22
Operating Cash Flow (TTM) i$-3,742,458,112$17.65B
Levered Free Cash Flow (TTM) i$481.32M$16.27B
Dividends
Last 12-Month Dividend Yield iN/A0.55%
Last 12-Month Dividend iN/A$3.15

Valuation & Enterprise Metrics Analysis: SoFi Technologies Inc. vs Mastercard Inc.

MetricSOFI (Apr 24, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i46.9730.95
Forward P/E i23.2222.56
PEG Ratio i-0.861.27
Price to Sales (TTM) i6.5213.92
Price to Book (MRQ) i2.2259.09
Market Capitalization
Market Capitalization i$23.36B$448.34B
Enterprise Value i$20.30B$464.97B
Enterprise Value Metrics
Enterprise to Revenue i5.6714.18
Enterprise to EBITDA iN/A22.63
Risk & Other Metrics
Beta i2.250.83
Book Value per Share (MRQ) i$8.26$8.65

Financial Statements Comparison: SoFi Technologies Inc. vs Mastercard Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSOFI (2025)MA (2025)
Revenue/Sales i3.61B32.79B
Cost of Goods Sold iN/A7.25B
COGS % of Revenue i0.0%22.1%
Gross Profit iN/A25.54B
Gross Margin i0.0%77.9%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A19.51B
Operating Margin i0.0%59.5%
EBITDA iN/A20.82B
EBITDA Margin i0.0%63.5%
Pre-Tax Income i525.86M18.58B
Pre-Tax Income % of Revenue i14.6%56.7%
Income Tax i44.54M3.61B
Income Tax % of Revenue i1.2%11.0%
Net Income (Profit) i481.32M14.97B
Profit Margin i13.3%45.6%

Balance Sheet & Liquidity Metrics

MetricSOFI (2025)MA (2025)
Cash & Equivalents i4.93B10.57B
Total Current Assets iN/A23.56B
Total Current Assets % of Revenue i0.0%71.8%
Total Current Liabilities iN/A22.76B
Total Current Liabilities % of Revenue i0.0%69.4%
Long-Term Debt i1.45B18.25B
Long-Term Debt % of Revenue i40.1%55.7%
Total Shareholders Equity i10.49B7.75B
Retained Earnings i-824.28M85.04B
Retained Earnings % of Revenue i-22.8%259.3%
Property, Plant & Equipment iN/A3.71B

Cash Flow Statement Comparison

MetricSOFI (2025)MA (2025)
Operating Cash Flow i626.05M19.44B
Operating Cash Flow % of Revenue i17.3%59.3%
Capital Expenditures i-242.44M-489.00M
Free Cash Flow i-3.99B16.43B
FCF Margin i-110.5%50.1%
Debt Repayment i-1.29B-750.00M
Common Stock Repurchase i0-11.73B

Short Interest & Institutional Ownership Analysis

MetricSOFIMA
Shares Short i165.26M6.24M
Short Ratio i2.391.83
Short % of Float i13.12%0.70%
Shares Outstanding i1.27B894.04M
Float Shares i1.26B883.99M
% Held by Insiders i1.46%0.55%
% Held by Institutions i55.63%90.43%
% Held by Public i42.91%9.02%

Dividend Analysis & Yield Comparison: SoFi Technologies Inc. vs Mastercard Inc.

MetricSOFIMA
Last 12-Month Dividend iN/A$3.15
Last 12-Month Dividend Yield iN/A0.55%
3-Year Avg Annual Dividend iN/A$2.75
3-Year Avg Dividend Yield iN/A0.14%
3-Year Total Dividends iN/A$8.26
Ex-Dividend DateN/AJan 09, 2026