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

Visa

NYSE
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SoFi Technologies

NASDAQ
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Visa wins in 11 metrics, SoFi Technologies wins in 6 metrics, with 0 ties. Visa appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricVisaSoFi TechnologiesBetter
P/E Ratio (TTM)33.1253.10Visa
Price-to-Book Ratio17.334.31SoFi Technologies
Debt-to-Equity Ratio65.0259.67SoFi Technologies
PEG Ratio2.740.07SoFi Technologies
EV/EBITDA24.26N/AN/A
Profit Margin (TTM)52.16%18.54%Visa
Operating Margin (TTM)66.77%13.28%Visa
EBITDA Margin (TTM)66.77%13.28%Visa
Return on Equity51.76%8.80%Visa
Return on Assets (TTM)17.05%1.52%Visa
Free Cash Flow (TTM)$18.69B$-1.28BVisa
Dividend Yield0.50%N/AN/A
1-Year Return18.12%243.02%SoFi Technologies
Price-to-Sales Ratio (TTM)16.9410.49SoFi Technologies
Enterprise Value$660.84B$33.75BVisa
EV/Revenue Ratio16.9911.14SoFi Technologies
Gross Profit Margin (TTM)80.60%N/AN/A
Revenue per Share (TTM)$21$3Visa
Earnings per Share (Diluted)$10.25$0.50Visa
Beta (Stock Volatility)0.921.94Visa
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Visa vs SoFi Technologies Stock Performance Analysis

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Visa
SoFi Technologies
Visa Stock Overview | SoFi Technologies Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Visa-1.18%-1.10%0.80%-8.61%1.98%7.96%
SoFi Technologies2.27%3.71%12.26%78.19%122.73%87.90%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Visa18.12%75.60%67.53%386.36%1,882.65%2,009.57%
SoFi Technologies243.02%338.84%41.68%41.68%41.68%41.68%

News Based Sentiment: Visa vs SoFi Technologies

Visa

News based Sentiment: POSITIVE

Visa delivered strong financial results in September, exceeding analyst expectations for both revenue and earnings. The company continues to invest in and expand its digital payment capabilities, including stablecoins and the Visa Direct platform, positioning it for future growth. While insider selling and mixed institutional activity introduce some caution, the overall narrative is positive.

View Visa 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: Visa vs SoFi Technologies

MetricVSOFI
Market Information
Market Cap i$658.81B$31.79B
Market Cap CategoryMega capLarge cap
10 Day Avg. Volume i4,715,17058,477,240
90 Day Avg. Volume i5,642,37363,747,810
Last Close$339.43$26.55
52 Week Range$268.23 - $375.51$7.24 - $26.85
% from 52W High-9.61%-1.14%
All-Time High$375.51 (Jun 11, 2025)$28.26 (Feb 01, 2021)
% from All-Time High-9.61%-6.05%
Growth Metrics
Quarterly Revenue Growth0.14%0.44%
Quarterly Earnings Growth0.08%4.59%
Financial Health
Profit Margin (TTM) i0.52%0.19%
Operating Margin (TTM) i0.67%0.13%
Return on Equity (TTM) i0.52%0.09%
Debt to Equity (MRQ) i65.0259.67
Cash & Liquidity
Book Value per Share (MRQ)$19.58$6.16
Cash per Share (MRQ)$9.95$1.78
Operating Cash Flow (TTM) i$23.48B$-2,819,089,920
Levered Free Cash Flow (TTM) i$18.05B$479.14M
Dividends
Last 12-Month Dividend Yield i0.50%N/A
Last 12-Month Dividend i$1.70N/A

Valuation & Enterprise Metrics Analysis: Visa vs SoFi Technologies

MetricVSOFI
Price Ratios
P/E Ratio (TTM) i33.1253.10
Forward P/E i26.8191.55
PEG Ratio i2.740.07
Price to Sales (TTM) i16.9410.49
Price to Book (MRQ) i17.334.31
Market Capitalization
Market Capitalization i$658.81B$31.79B
Enterprise Value i$660.84B$33.75B
Enterprise Value Metrics
Enterprise to Revenue i16.9911.14
Enterprise to EBITDA i24.26N/A
Risk & Other Metrics
Beta i0.921.94
Book Value per Share (MRQ) i$19.58$6.16

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

Balance Sheet & Liquidity Metrics (MRQ)

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

Cash Flow Statement Comparison (MRQ)

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

Short Interest & Institutional Ownership Analysis

MetricVSOFI
Shares Short i26.02M101.33M
Short Ratio i4.061.27
Short % of Float i0.02%0.09%
Average Daily Volume (10 Day) i4,715,17058,477,240
Average Daily Volume (90 Day) i5,642,37363,747,810
Shares Outstanding i1.98B1.10B
Float Shares i1.76B1.18B
% Held by Insiders i0.01%0.03%
% Held by Institutions i0.91%0.54%

Dividend Analysis & Yield Comparison: Visa vs SoFi Technologies

MetricVSOFI
Last 12-Month Dividend i$1.70N/A
Last 12-Month Dividend Yield i0.50%N/A
3-Year Avg Annual Dividend i$1.81N/A
3-Year Avg Dividend Yield i0.19%N/A
3-Year Total Dividends i$5.44N/A
Ex-Dividend DateFeb 11, 2025N/A