SoFi Technologies [SOFI] vs Visa [V] Detailed Stock Comparison
SoFi Technologies
NASDAQ
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Visa
NYSE
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: SoFi Technologies wins in 6 metrics, Visa wins in 11 metrics, with 0 ties. Visa appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | SoFi Technologies | Visa | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 47.54 | 33.67 | Visa |
| Price-to-Book Ratio | 3.86 | 17.59 | SoFi Technologies |
| Debt-to-Equity Ratio | 59.67 | 65.02 | SoFi Technologies |
| PEG Ratio | 0.06 | 2.79 | SoFi Technologies |
| EV/EBITDA | N/A | 24.62 | N/A |
| Profit Margin (TTM) | 18.54% | 52.16% | Visa |
| Operating Margin (TTM) | 13.28% | 66.77% | Visa |
| EBITDA Margin (TTM) | 13.28% | 66.77% | Visa |
| Return on Equity | 8.80% | 51.76% | Visa |
| Return on Assets (TTM) | 1.52% | 17.05% | Visa |
| Free Cash Flow (TTM) | $-1.28B | $18.69B | Visa |
| Dividend Yield | N/A | 0.50% | N/A |
| 1-Year Return | 202.53% | 28.05% | SoFi Technologies |
| Price-to-Sales Ratio (TTM) | 9.40 | 17.19 | SoFi Technologies |
| Enterprise Value | $30.42B | $670.55B | Visa |
| EV/Revenue Ratio | 10.04 | 17.24 | SoFi Technologies |
| Gross Profit Margin (TTM) | N/A | 80.60% | N/A |
| Revenue per Share (TTM) | $3 | $21 | Visa |
| Earnings per Share (Diluted) | $0.50 | $10.23 | Visa |
| Beta (Stock Volatility) | 1.94 | 0.94 | Visa |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
SoFi Technologies vs Visa 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% |
| Visa | -0.08% | 1.70% | -2.42% | -6.92% | -3.60% | 8.92% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| SoFi Technologies | 202.53% | 268.12% | 21.40% | 21.40% | 21.40% | 21.40% |
| Visa | 28.05% | 68.79% | 58.75% | 372.61% | 1,826.04% | 2,028.34% |
Performance & Financial Health Analysis: SoFi Technologies vs Visa
| Metric | SOFI | V |
|---|---|---|
| Market Information | ||
| Market Cap | $28.46B | $668.60B |
| Market Cap Category | Large cap | Mega cap |
| 10 Day Avg. Volume | 52,815,510 | 6,370,790 |
| 90 Day Avg. Volume | 73,245,833 | 6,243,097 |
| Last Close | $22.75 | $342.45 |
| 52 Week Range | $6.75 - $25.11 | $265.23 - $375.51 |
| % from 52W High | -9.40% | -8.80% |
| All-Time High | $28.26 (Feb 01, 2021) | $375.51 (Jun 11, 2025) |
| % from All-Time High | -19.50% | -8.80% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.44% | 0.14% |
| Quarterly Earnings Growth | 4.59% | 0.08% |
| Financial Health | ||
| Profit Margin (TTM) | 0.19% | 0.52% |
| Operating Margin (TTM) | 0.13% | 0.67% |
| Return on Equity (TTM) | 0.09% | 0.52% |
| Debt to Equity (MRQ) | 59.67 | 65.02 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $6.16 | $19.58 |
| Cash per Share (MRQ) | $1.78 | $9.95 |
| Operating Cash Flow (TTM) | $-2,819,089,920 | $23.48B |
| Levered Free Cash Flow (TTM) | $479.14M | $18.05B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.50% |
| Last 12-Month Dividend | N/A | $1.70 |
Valuation & Enterprise Metrics Analysis: SoFi Technologies vs Visa
| Metric | SOFI | V |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 47.54 | 33.67 |
| Forward P/E | 81.97 | 27.21 |
| PEG Ratio | 0.06 | 2.79 |
| Price to Sales (TTM) | 9.40 | 17.19 |
| Price to Book (MRQ) | 3.86 | 17.59 |
| Market Capitalization | ||
| Market Capitalization | $28.46B | $668.60B |
| Enterprise Value | $30.42B | $670.55B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.04 | 17.24 |
| Enterprise to EBITDA | N/A | 24.62 |
| Risk & Other Metrics | ||
| Beta | 1.94 | 0.94 |
| Book Value per Share (MRQ) | $6.16 | $19.58 |
Financial Statements Comparison: SoFi Technologies vs Visa
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 | V |
|---|---|---|
| Revenue/Sales | $771.76M | $9.59B |
| Cost of Goods Sold | N/A | $1.88B |
| Gross Profit | N/A | $7.71B |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | $6.44B |
| EBITDA | N/A | $6.74B |
| Pre-Tax Income | $79.78M | $5.44B |
| Income Tax | $8.67M | $861.00M |
| Net Income (Profit) | $71.12M | $4.58B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | SOFI | V |
|---|---|---|
| Cash & Equivalents | $2.09B | $11.73B |
| Total Current Assets | N/A | $32.93B |
| Total Current Liabilities | N/A | $30.38B |
| Long-Term Debt | $2.65B | $16.81B |
| Total Shareholders Equity | $6.68B | $38.03B |
| Retained Earnings | $-1.23B | $16.52B |
| Property, Plant & Equipment | $394.44M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | SOFI | V |
|---|---|---|
| Operating Cash Flow | $372.79M | $4.22B |
| Capital Expenditures | $-52.60M | $-327.00M |
| Free Cash Flow | $-32.75M | $4.37B |
| Debt Repayment | $-49.11M | N/A |
| Common Stock Repurchase | N/A | $-4.60B |
Short Interest & Institutional Ownership Analysis
| Metric | SOFI | V |
|---|---|---|
| Shares Short | 112.01M | 28.08M |
| Short Ratio | 1.33 | 4.70 |
| Short % of Float | 0.09% | 0.02% |
| Average Daily Volume (10 Day) | 52,815,510 | 6,370,790 |
| Average Daily Volume (90 Day) | 73,245,833 | 6,243,097 |
| Shares Outstanding | 1.10B | 1.98B |
| Float Shares | 1.18B | 1.76B |
| % Held by Insiders | 0.03% | 0.01% |
| % Held by Institutions | 0.54% | 0.91% |
Dividend Analysis & Yield Comparison: SoFi Technologies vs Visa
| Metric | SOFI | V |
|---|---|---|
| Last 12-Month Dividend | N/A | $1.70 |
| Last 12-Month Dividend Yield | N/A | 0.50% |
| 3-Year Avg Annual Dividend | N/A | $1.81 |
| 3-Year Avg Dividend Yield | N/A | 0.19% |
| 3-Year Total Dividends | N/A | $5.44 |
| Ex-Dividend Date | N/A | Feb 11, 2025 |