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SoFi Technologies (SOFI) Competitors

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$23.77 +0.48 (+2.06%)
Closing price 08/15/2025 04:00 PM Eastern
Extended Trading
$23.76 -0.02 (-0.06%)
As of 08/15/2025 07:59 PM Eastern
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SOFI vs. AFRM, HOOD, PYPL, UPST, BAC, IBIT, BMO, MFG, ING, and BNS

Should you be buying SoFi Technologies stock or one of its competitors? The main competitors of SoFi Technologies include Affirm (AFRM), Robinhood Markets (HOOD), PayPal (PYPL), Upstart (UPST), Bank of America (BAC), iShares Bitcoin Trust ETF (IBIT), Bank Of Montreal (BMO), Mizuho Financial Group (MFG), ING Group (ING), and Bank of Nova Scotia (BNS).

SoFi Technologies vs. Its Competitors

Affirm (NASDAQ:AFRM) and SoFi Technologies (NASDAQ:SOFI) are both large-cap banking companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, earnings, risk, analyst recommendations, institutional ownership, dividends, media sentiment and valuation.

69.3% of Affirm shares are held by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are held by institutional investors. 11.8% of Affirm shares are held by insiders. Comparatively, 2.6% of SoFi Technologies shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

SoFi Technologies has a net margin of 18.38% compared to Affirm's net margin of -2.07%. SoFi Technologies' return on equity of 4.44% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm-2.07% -2.22% -0.61%
SoFi Technologies 18.38%4.44%0.78%

Affirm has a beta of 3.63, indicating that its stock price is 263% more volatile than the S&P 500. Comparatively, SoFi Technologies has a beta of 1.93, indicating that its stock price is 93% more volatile than the S&P 500.

In the previous week, SoFi Technologies had 28 more articles in the media than Affirm. MarketBeat recorded 33 mentions for SoFi Technologies and 5 mentions for Affirm. SoFi Technologies' average media sentiment score of 0.89 beat Affirm's score of 0.72 indicating that SoFi Technologies is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
1 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
SoFi Technologies
20 Very Positive mention(s)
7 Positive mention(s)
4 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Affirm presently has a consensus target price of $68.09, indicating a potential downside of 13.51%. SoFi Technologies has a consensus target price of $18.29, indicating a potential downside of 23.04%. Given Affirm's stronger consensus rating and higher possible upside, equities research analysts clearly believe Affirm is more favorable than SoFi Technologies.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affirm
0 Sell rating(s)
10 Hold rating(s)
18 Buy rating(s)
1 Strong Buy rating(s)
2.69
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.24

SoFi Technologies has higher revenue and earnings than Affirm. Affirm is trading at a lower price-to-earnings ratio than SoFi Technologies, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Affirm$2.32B10.93-$517.76M-$0.21-374.86
SoFi Technologies$2.67B9.82$498.67M$0.4849.52

Summary

SoFi Technologies beats Affirm on 9 of the 16 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding SOFI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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SOFI vs. The Competition

MetricSoFi TechnologiesFIN IndustryFinance SectorNASDAQ Exchange
Market Cap$25.74B$7.74B$12.44B$9.82B
Dividend YieldN/A4.77%5.55%4.07%
P/E Ratio49.5218.9919.6225.12
Price / Sales9.827.1226.71114.82
Price / Cash59.2324.3221.8559.05
Price / Book3.834.362.286.18
Net Income$498.67M$311.03M$1.00B$264.89M
7 Day Performance7.56%1.02%1.23%4.18%
1 Month Performance11.13%5.13%1.37%1.99%
1 Year Performance239.57%28.34%539.15%24.22%

SoFi Technologies Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
SOFI
SoFi Technologies
2.4202 of 5 stars
$23.77
+2.1%
$18.29
-23.0%
+244.0%$25.74B$2.67B49.525,000
AFRM
Affirm
2.176 of 5 stars
$74.86
+0.1%
$68.09
-9.0%
+177.5%$24.13B$2.32B-356.482,006
HOOD
Robinhood Markets
3.8145 of 5 stars
$105.46
-0.9%
$96.29
-8.7%
+484.0%$94.19B$2.95B53.532,300Trending News
PYPL
PayPal
4.8383 of 5 stars
$67.83
-0.3%
$84.57
+24.7%
+1.9%$64.98B$31.80B14.4924,400Trending News
UPST
Upstart
4.2291 of 5 stars
$82.62
-0.3%
$71.62
-13.3%
+75.2%$7.88B$636.53M-110.161,193Options Volume
BAC
Bank of America
4.8089 of 5 stars
$45.54
-0.7%
$50.13
+10.1%
+20.2%$339.61B$192.43B13.32213,000Trending News
Analyst Revision
IBIT
iShares Bitcoin Trust ETF
N/A$64.55
-1.0%
N/A+104.4%$84.18BN/A0.00N/A
BMO
Bank Of Montreal
4.4265 of 5 stars
$111.96
+0.0%
$129.50
+15.7%
+33.9%$80.42B$58.27B14.5253,597News Coverage
Positive News
Analyst Forecast
Analyst Revision
MFG
Mizuho Financial Group
4.0446 of 5 stars
$5.99
+0.9%
N/A+56.3%$74.70B$59.30B12.4752,554News Coverage
Short Interest ↑
Gap Up
ING
ING Group
4.0721 of 5 stars
$23.20
+1.0%
N/A+44.2%$72.33B$24.47B10.6960,000News Coverage
Positive News
BNS
Bank of Nova Scotia
4.5696 of 5 stars
$55.65
-0.6%
$81.00
+45.6%
+22.3%$69.61B$55.90B16.3288,488News Coverage
Positive News
Analyst Revision

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This page (NASDAQ:SOFI) was last updated on 8/16/2025 by MarketBeat.com Staff
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