SoFi Technologies [SOFI] vs Visa [V] Detailed Stock Comparison

SoFi Technologies

NASDAQ
Loading...

Visa

NYSE
Loading...

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

MetricSoFi TechnologiesVisaBetter
P/E Ratio (TTM)50.4834.16Visa
Price-to-Book Ratio4.1017.86SoFi Technologies
Debt-to-Equity Ratio59.6765.02SoFi Technologies
PEG Ratio0.062.83SoFi Technologies
EV/EBITDAN/A25.00N/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 Equity8.80%51.76%Visa
Return on Assets (TTM)1.52%17.05%Visa
Free Cash Flow (TTM)$-1.28B$18.69BVisa
Dividend YieldN/A0.50%N/A
1-Year Return200.83%25.87%SoFi Technologies
Price-to-Sales Ratio (TTM)9.9817.46SoFi Technologies
Enterprise Value$32.18B$680.89BVisa
EV/Revenue Ratio10.6217.51SoFi Technologies
Gross Profit Margin (TTM)N/A80.60%N/A
Revenue per Share (TTM)$3$21Visa
Earnings per Share (Diluted)$0.50$10.24Visa
Beta (Stock Volatility)1.930.90Visa
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

SoFi Technologies vs Visa Stock Performance Analysis

Loading Price Chart...

SoFi Technologies
Visa
SoFi Technologies Stock Overview | Visa Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
SoFi Technologies-2.81%-9.79%3.06%35.92%137.22%78.63%
Visa1.12%3.70%-0.29%-2.51%3.08%11.27%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
SoFi Technologies200.83%403.79%34.69%34.69%34.69%34.69%
Visa25.87%90.31%69.30%372.88%1,791.03%2,074.27%

News Based Sentiment: SoFi Technologies vs Visa

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

Visa

News based Sentiment: POSITIVE

October was a strong month for Visa, marked by exceeding earnings expectations, launching key initiatives in AI and digital assets, and receiving positive analyst coverage. These developments collectively signal continued growth and innovation, making it a significant month for investors.

View Visa News Sentiment Analysis

Performance & Financial Health Analysis: SoFi Technologies vs Visa

MetricSOFIV
Market Information
Market Cap i$32.32B$679.02B
Market Cap CategoryLarge capMega cap
10 Day Avg. Volume i62,380,6707,015,000
90 Day Avg. Volume i66,832,0476,118,317
Last Close$25.24$349.84
52 Week Range$7.65 - $30.30$273.24 - $375.51
% from 52W High-16.70%-6.84%
All-Time High$30.30 (Sep 22, 2025)$375.51 (Jun 11, 2025)
% from All-Time High-16.70%-6.84%
Growth Metrics
Quarterly Revenue Growth0.44%0.14%
Quarterly Earnings Growth4.59%0.08%
Financial Health
Profit Margin (TTM) i0.19%0.52%
Operating Margin (TTM) i0.13%0.67%
Return on Equity (TTM) i0.09%0.52%
Debt to Equity (MRQ) i59.6765.02
Cash & Liquidity
Book Value per Share (MRQ)$6.16$19.58
Cash per Share (MRQ)$1.78$9.95
Operating Cash Flow (TTM) i$-2,819,089,920$23.48B
Levered Free Cash Flow (TTM) i$479.14M$18.05B
Dividends
Last 12-Month Dividend Yield iN/A0.50%
Last 12-Month Dividend iN/A$1.70

Valuation & Enterprise Metrics Analysis: SoFi Technologies vs Visa

MetricSOFIV
Price Ratios
P/E Ratio (TTM) i50.4834.16
Forward P/E i87.0327.63
PEG Ratio i0.062.83
Price to Sales (TTM) i9.9817.46
Price to Book (MRQ) i4.1017.86
Market Capitalization
Market Capitalization i$32.32B$679.02B
Enterprise Value i$32.18B$680.89B
Enterprise Value Metrics
Enterprise to Revenue i10.6217.51
Enterprise to EBITDA iN/A25.00
Risk & Other Metrics
Beta i1.930.90
Book Value per Share (MRQ) i$6.16$19.58

Financial Statements Comparison: SoFi Technologies vs Visa

Financial Metrics

Loading Financial Charts...

Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)SOFIV
Revenue/Sales i$771.76M$9.59B
Cost of Goods Sold iN/A$1.88B
Gross Profit iN/A$7.71B
Research & Development iN/AN/A
Operating Income (EBIT) iN/A$6.44B
EBITDA iN/A$6.74B
Pre-Tax Income i$79.78M$5.44B
Income Tax i$8.67M$861.00M
Net Income (Profit) i$71.12M$4.58B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)SOFIV
Cash & Equivalents i$2.09B$11.73B
Total Current Assets iN/A$32.93B
Total Current Liabilities iN/A$30.38B
Long-Term Debt i$2.65B$16.81B
Total Shareholders Equity i$6.68B$38.03B
Retained Earnings i$-1.23B$16.52B
Property, Plant & Equipment i$394.44MN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)SOFIV
Operating Cash Flow i$372.79M$4.22B
Capital Expenditures i$-52.60M$-327.00M
Free Cash Flow i$-32.75M$4.37B
Debt Repayment i$-49.11MN/A
Common Stock Repurchase iN/A$-4.60B

Short Interest & Institutional Ownership Analysis

MetricSOFIV
Shares Short i107.60M26.74M
Short Ratio i1.605.29
Short % of Float i0.09%0.02%
Average Daily Volume (10 Day) i62,380,6707,015,000
Average Daily Volume (90 Day) i66,832,0476,118,317
Shares Outstanding i1.10B1.98B
Float Shares i1.18B1.76B
% Held by Insiders i0.03%0.01%
% Held by Institutions i0.54%0.90%

Dividend Analysis & Yield Comparison: SoFi Technologies vs Visa

MetricSOFIV
Last 12-Month Dividend iN/A$1.70
Last 12-Month Dividend Yield iN/A0.50%
3-Year Avg Annual Dividend iN/A$1.81
3-Year Avg Dividend Yield iN/A0.19%
3-Year Total Dividends iN/A$5.44
Ex-Dividend DateN/AFeb 11, 2025