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

SoFi Technologies Inc.

NASDAQ
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Visa Inc.

NYSE
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

Metric SoFi Technologies Inc. Visa Inc. Better
P/E Ratio (TTM) 46.97 28.98 Visa Inc.
Price-to-Book Ratio 2.22 15.42 SoFi Technologies Inc.
Debt-to-Equity Ratio 18.49 54.61 SoFi Technologies Inc.
PEG Ratio -0.86 1.66 Visa Inc.
EV/EBITDA N/A 20.50 N/A
Profit Margin (TTM) 13.43% 50.23% Visa Inc.
Operating Margin (TTM) 18.18% 68.30% Visa Inc.
EBITDA Margin (TTM) 18.18% 68.30% Visa Inc.
Return on Equity 5.66% 53.95% Visa Inc.
Return on Assets (TTM) 1.11% 18.36% Visa Inc.
Free Cash Flow (TTM) $-3.99B $21.58B Visa Inc.
Dividend Yield N/A 0.78% N/A
1-Year Return 17.67% -8.63% SoFi Technologies Inc.
Price-to-Sales Ratio (TTM) 6.52 14.39 SoFi Technologies Inc.
Enterprise Value $20.30B $594.14B Visa Inc.
EV/Revenue Ratio 5.67 14.35 SoFi Technologies Inc.
Gross Profit Margin (TTM) N/A 81.68% N/A
Revenue per Share (TTM) $3 $21 Visa Inc.
Earnings per Share (Diluted) $0.39 $10.66 Visa Inc.
Beta (Stock Volatility) 2.25 0.80 Visa Inc.
Short % of Float 13.12% 1.40% Visa Inc.

SoFi Technologies Inc. vs Visa Inc. Stock Performance Analysis

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SOFI
V

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
SoFi Technologies Inc.3.32%3.82%9.74%-2.84%-33.66%-37.62%
Visa Inc.0.44%1.30%-0.59%4.42%-6.65%-6.54%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
SoFi Technologies Inc.17.67%92.79%-28.04%-11.53%-11.53%-11.53%
Visa Inc.-8.63%40.84%39.92%318.74%1,632.35%1,903.67%

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

MetricSOFIV
Market Information
Market Cap i$23.36B$596.57B
Market Cap CategoryLarge capMega cap
10 Day Avg. Volume i57,300,5296,138,912
90 Day Avg. Volume i61,807,3866,859,421
Last Close$17.13$323.82
52 Week Range$14.23 - $32.73$293.89 - $360.22
% from 52W High-47.66%-10.10%
All-Time High$32.72 (Nov 12, 2025)$375.51 (Jun 11, 2025)
% from All-Time High-47.65%-13.77%
Growth Metrics
Quarterly Revenue Growth0.40%0.15%
Quarterly Earnings Growth-0.48%0.14%
Financial Health
Profit Margin (TTM) i0.13%0.50%
Operating Margin (TTM) i0.18%0.68%
Return on Equity (TTM) i0.06%0.54%
Debt to Equity (MRQ) i18.4954.61
Cash & Liquidity
Book Value per Share (MRQ)$8.26$20.03
Cash per Share (MRQ)$3.92$8.60
Operating Cash Flow (TTM) i$-3,742,458,112$24.44B
Levered Free Cash Flow (TTM) i$481.32M$22.03B
Dividends
Last 12-Month Dividend Yield iN/A0.78%
Last 12-Month Dividend iN/A$2.52

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

MetricSOFI (Apr 24, 2026)V (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i46.9728.98
Forward P/E i23.2221.23
PEG Ratio i-0.861.66
Price to Sales (TTM) i6.5214.39
Price to Book (MRQ) i2.2215.42
Market Capitalization
Market Capitalization i$23.36B$596.57B
Enterprise Value i$20.30B$594.14B
Enterprise Value Metrics
Enterprise to Revenue i5.6714.35
Enterprise to EBITDA iN/A20.50
Risk & Other Metrics
Beta i2.250.80
Book Value per Share (MRQ) i$8.26$20.03

Financial Statements Comparison: SoFi Technologies Inc. vs Visa 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)V (2025)
Revenue/Sales i3.61B40.00B
Cost of Goods Sold iN/A7.86B
COGS % of Revenue i0.0%19.6%
Gross Profit iN/A32.15B
Gross Margin i0.0%80.4%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A26.56B
Operating Margin i0.0%66.4%
EBITDA iN/A27.78B
EBITDA Margin i0.0%69.4%
Pre-Tax Income i525.86M24.19B
Pre-Tax Income % of Revenue i14.6%60.5%
Income Tax i44.54M4.14B
Income Tax % of Revenue i1.2%10.3%
Net Income (Profit) i481.32M20.06B
Profit Margin i13.3%50.1%

Balance Sheet & Liquidity Metrics

MetricSOFI (2025)V (2025)
Cash & Equivalents i4.93B17.16B
Total Current Assets iN/A37.77B
Total Current Assets % of Revenue i0.0%94.4%
Total Current Liabilities iN/A35.05B
Total Current Liabilities % of Revenue i0.0%87.6%
Long-Term Debt i1.45B19.60B
Long-Term Debt % of Revenue i40.1%49.0%
Total Shareholders Equity i10.49B37.91B
Retained Earnings i-824.28M15.11B
Retained Earnings % of Revenue i-22.8%37.8%
Property, Plant & Equipment iN/A0

Cash Flow Statement Comparison

MetricSOFI (2025)V (2025)
Operating Cash Flow i626.05M22.89B
Operating Cash Flow % of Revenue i17.3%57.2%
Capital Expenditures i-242.44M-1.48B
Free Cash Flow i-3.99B21.58B
FCF Margin i-110.5%53.9%
Debt Repayment i-1.29B0
Common Stock Repurchase i0-18.32B

Short Interest & Institutional Ownership Analysis

MetricSOFIV
Shares Short i165.26M23.46M
Short Ratio i2.393.17
Short % of Float i13.12%1.40%
Shares Outstanding i1.27B1.93B
Float Shares i1.26B1.74B
% Held by Insiders i1.46%0.59%
% Held by Institutions i55.63%90.99%
% Held by Public i42.91%8.42%

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

MetricSOFIV
Last 12-Month Dividend iN/A$2.52
Last 12-Month Dividend Yield iN/A0.78%
3-Year Avg Annual Dividend iN/A$2.23
3-Year Avg Dividend Yield iN/A0.19%
3-Year Total Dividends iN/A$6.68
Ex-Dividend DateN/AFeb 10, 2026