American Express [AXP] vs SoFi Technologies [SOFI] Detailed Stock Comparison

American Express

NYSE
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SoFi Technologies

NASDAQ
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: American Express wins in 13 metrics, SoFi Technologies wins in 4 metrics, with 0 ties. American Express appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricAmerican ExpressSoFi TechnologiesBetter
P/E Ratio (TTM)22.8353.10American Express
Price-to-Book Ratio7.014.31SoFi Technologies
Debt-to-Equity Ratio187.9359.67SoFi Technologies
PEG Ratio-11.870.07American Express
Profit Margin (TTM)15.99%18.54%SoFi Technologies
Operating Margin (TTM)21.00%13.28%American Express
EBITDA Margin (TTM)21.00%13.28%American Express
Return on Equity32.81%8.80%American Express
Return on Assets (TTM)3.57%1.52%American Express
Free Cash Flow (TTM)$12.14B$-1.28BAmerican Express
Dividend Yield0.99%N/AN/A
1-Year Return25.60%243.02%SoFi Technologies
Price-to-Sales Ratio (TTM)3.5710.49American Express
Enterprise Value$229.34B$33.75BAmerican Express
EV/Revenue Ratio3.6211.14American Express
Revenue per Share (TTM)$90$3American Express
Earnings per Share (Diluted)$14.25$0.50American Express
Beta (Stock Volatility)1.291.94American Express
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

American Express vs SoFi Technologies Stock Performance Analysis

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American Express
SoFi Technologies
American Express Stock Overview | SoFi Technologies Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
American Express-1.22%-0.28%7.29%9.17%24.76%9.01%
SoFi Technologies2.27%3.71%12.26%78.19%122.73%87.90%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
American Express25.60%112.50%214.48%328.31%686.32%524.98%
SoFi Technologies243.02%338.84%41.68%41.68%41.68%41.68%

News Based Sentiment: American Express vs SoFi Technologies

American Express

News based Sentiment: POSITIVE

American Express demonstrated strong financial performance in Q2 and continued expansion of its merchant base and strategic partnerships throughout September. While the Platinum Card refresh introduces a potential risk with the increased fee, the overall narrative remains positive, driven by revenue growth, analyst optimism, and a focus on attracting high-spending customers.

View American Express News Sentiment Analysis

SoFi Technologies

News based Sentiment: POSITIVE

SoFi delivered a strong Q2 earnings report, exceeding analyst expectations, and announced several strategic initiatives, including a new ETF, a partnership with Josh Allen, and plans to re-enter the crypto space. These developments, combined with positive guidance, suggest a positive trajectory for the company, though insider selling introduces a note of caution.

View SoFi Technologies News Sentiment Analysis

Performance & Financial Health Analysis: American Express vs SoFi Technologies

MetricAXPSOFI
Market Information
Market Cap i$226.38B$31.79B
Market Cap CategoryMega capLarge cap
10 Day Avg. Volume i2,609,55058,477,240
90 Day Avg. Volume i2,406,20763,747,810
Last Close$325.31$26.55
52 Week Range$220.43 - $332.46$7.24 - $26.85
% from 52W High-2.15%-1.14%
All-Time High$332.46 (Sep 05, 2025)$28.26 (Feb 01, 2021)
% from All-Time High-2.15%-6.05%
Growth Metrics
Quarterly Revenue Growth0.09%0.44%
Quarterly Earnings Growth-0.04%4.59%
Financial Health
Profit Margin (TTM) i0.16%0.19%
Operating Margin (TTM) i0.21%0.13%
Return on Equity (TTM) i0.33%0.09%
Debt to Equity (MRQ) i187.9359.67
Cash & Liquidity
Book Value per Share (MRQ)$46.42$6.16
Cash per Share (MRQ)$83.01$1.78
Operating Cash Flow (TTM) i$13.09B$-2,819,089,920
Levered Free Cash Flow (TTM) i$10.00B$479.14M
Dividends
Last 12-Month Dividend Yield i0.99%N/A
Last 12-Month Dividend i$2.92N/A

Valuation & Enterprise Metrics Analysis: American Express vs SoFi Technologies

MetricAXPSOFI
Price Ratios
P/E Ratio (TTM) i22.8353.10
Forward P/E i21.5291.55
PEG Ratio i-11.870.07
Price to Sales (TTM) i3.5710.49
Price to Book (MRQ) i7.014.31
Market Capitalization
Market Capitalization i$226.38B$31.79B
Enterprise Value i$229.34B$33.75B
Enterprise Value Metrics
Enterprise to Revenue i3.6211.14
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.291.94
Book Value per Share (MRQ) i$46.42$6.16

Financial Statements Comparison: American Express vs SoFi Technologies

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)AXPSOFI
Revenue/Sales i$17.86B$771.76M
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$3.55B$79.78M
Income Tax i$665.00M$8.67M
Net Income (Profit) i$2.89B$71.12M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)AXPSOFI
Cash & Equivalents i$52.41B$2.09B
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$51.24B$2.65B
Total Shareholders Equity i$31.20B$6.68B
Retained Earnings i$23.39B$-1.23B
Property, Plant & Equipment iN/A$394.44M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)AXPSOFI
Operating Cash Flow i$3.61B$372.79M
Capital Expenditures i$-430.00M$-52.60M
Free Cash Flow i$4.33B$-32.75M
Debt Repayment i$-3.53B$-49.11M
Common Stock Repurchase i$-1.21BN/A

Short Interest & Institutional Ownership Analysis

MetricAXPSOFI
Shares Short i10.58M101.33M
Short Ratio i4.481.27
Short % of Float i0.02%0.09%
Average Daily Volume (10 Day) i2,609,55058,477,240
Average Daily Volume (90 Day) i2,406,20763,747,810
Shares Outstanding i702.00M1.10B
Float Shares i542.70M1.18B
% Held by Insiders i0.22%0.03%
% Held by Institutions i0.65%0.54%

Dividend Analysis & Yield Comparison: American Express vs SoFi Technologies

MetricAXPSOFI
Last 12-Month Dividend i$2.92N/A
Last 12-Month Dividend Yield i0.99%N/A
3-Year Avg Annual Dividend i$2.33N/A
3-Year Avg Dividend Yield i0.32%N/A
3-Year Total Dividends i$6.98N/A
Ex-Dividend DateApr 04, 2025N/A