SoFi Technologies (SOFI) Competitors $25.01 -0.37 (-1.47%) As of 02:17 PM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock SOFI vs. AFRM, HOOD, PYPL, UPST, BAC, IBN, BBVA, SMFG, MFG, and IBITShould 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), ICICI Bank (IBN), Banco Bilbao Viscaya Argentaria (BBVA), Sumitomo Mitsui Financial Group (SMFG), Mizuho Financial Group (MFG), and iShares Bitcoin Trust ETF (IBIT). SoFi Technologies vs. Its Competitors Affirm Robinhood Markets PayPal Upstart Bank of America ICICI Bank Banco Bilbao Viscaya Argentaria Sumitomo Mitsui Financial Group Mizuho Financial Group iShares Bitcoin Trust ETF SoFi Technologies (NASDAQ:SOFI) and Affirm (NASDAQ:AFRM) are both large-cap banking companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, analyst recommendations, earnings, dividends, risk, institutional ownership, media sentiment and valuation. Does the media refer more to SOFI or AFRM? In the previous week, SoFi Technologies had 18 more articles in the media than Affirm. MarketBeat recorded 40 mentions for SoFi Technologies and 22 mentions for Affirm. SoFi Technologies' average media sentiment score of 0.83 beat Affirm's score of 0.36 indicating that SoFi Technologies is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment SoFi Technologies 19 Very Positive mention(s) 4 Positive mention(s) 15 Neutral mention(s) 2 Negative mention(s) 0 Very Negative mention(s) Positive Affirm 5 Very Positive mention(s) 1 Positive mention(s) 4 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Neutral Which has more risk and volatility, SOFI or AFRM? SoFi Technologies has a beta of 1.93, indicating that its share price is 93% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.64, indicating that its share price is 264% more volatile than the S&P 500. Which has preferable valuation & earnings, SOFI or AFRM? SoFi Technologies has higher earnings, but lower revenue than Affirm. SoFi Technologies is trading at a lower price-to-earnings ratio than Affirm, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioSoFi Technologies$3.05B9.80$498.67M$0.4852.10Affirm$3.24B8.64$52.19M$0.13668.07 Is SOFI or AFRM more profitable? SoFi Technologies has a net margin of 18.38% compared to Affirm's net margin of 1.62%. SoFi Technologies' return on equity of 4.44% beat Affirm's return on equity.Company Net Margins Return on Equity Return on Assets SoFi Technologies18.38% 4.44% 0.78% Affirm 1.62%1.80%0.49% Do analysts recommend SOFI or AFRM? SoFi Technologies currently has a consensus price target of $19.35, suggesting a potential downside of 22.61%. Affirm has a consensus price target of $79.04, suggesting a potential downside of 8.99%. Given Affirm's stronger consensus rating and higher possible upside, analysts clearly believe Affirm is more favorable than SoFi Technologies.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score SoFi Technologies 3 Sell rating(s) 11 Hold rating(s) 6 Buy rating(s) 1 Strong Buy rating(s) 2.24Affirm 0 Sell rating(s) 11 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.67 Do insiders & institutionals have more ownership in SOFI or AFRM? 38.4% of SoFi Technologies shares are held by institutional investors. Comparatively, 69.3% of Affirm shares are held by institutional investors. 2.6% of SoFi Technologies shares are held by insiders. Comparatively, 11.8% of Affirm shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term. SummarySoFi Technologies and Affirm tied by winning 8 of the 16 factors compared between the two stocks. 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New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?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. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart SOFI vs. The Competition Export to ExcelMetricSoFi TechnologiesFIN IndustryFinance SectorNASDAQ ExchangeMarket Cap$29.91B$7.71B$12.47B$9.91BDividend YieldN/A4.67%5.45%4.51%P/E Ratio52.0317.00232.2426.59Price / Sales9.806.1330.87120.92Price / Cash62.2824.9121.9558.92Price / Book4.202.882.286.06Net Income$498.67M$313.53M$1.01B$266.42M7 Day Performance-2.09%-2.27%0.19%-0.17%1 Month Performance16.09%-0.26%3.47%3.69%1 Year Performance244.44%30.00%543.39%23.46% SoFi Technologies Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)SOFISoFi Technologies2.8483 of 5 stars$25.01-1.5%$19.35-22.6%+239.3%$29.91B$3.05B52.035,000Trending NewsAFRMAffirm2.1387 of 5 stars$77.95+0.7%$69.74-10.5%+122.9%$24.97B$2.32B-371.192,006Analyst ForecastInsider TradeHigh Trading VolumeHOODRobinhood Markets3.9118 of 5 stars$108.80+0.8%$100.31-7.8%+438.5%$95.92B$2.95B55.232,300Positive NewsGap UpPYPLPayPal4.6173 of 5 stars$70.18+1.0%$85.00+21.1%-5.7%$66.38B$31.80B15.0024,400Trending NewsOptions VolumeUPSTUpstart3.8677 of 5 stars$68.89-0.4%$78.54+14.0%+81.3%$6.65B$636.53M-861.131,193Insider TradeOptions VolumeGap UpBACBank of America4.8996 of 5 stars$50.23+1.5%$50.13-0.2%+25.1%$366.50B$192.43B14.69213,000Trending NewsOptions VolumeIBNICICI Bank2.1956 of 5 stars$31.86-1.5%N/A+7.7%$115.40B$22.68B19.66182,665Stock SplitBBVABanco Bilbao Viscaya Argentaria3.0449 of 5 stars$18.45-1.1%N/A+85.1%$108.88B$38.40B9.71125,916News CoveragePositive NewsShort Interest ↓SMFGSumitomo Mitsui Financial Group4.4228 of 5 stars$16.74+0.2%N/A+27.8%$108.13B$66.82B17.62123,000Positive NewsMFGMizuho Financial Group3.9473 of 5 stars$6.60+0.5%N/A+58.7%$82.63B$3.61T13.7452,554IBITiShares Bitcoin Trust ETFN/A$63.10+0.3%N/A+88.7%$82.29BN/A0.00N/APositive NewsGap Up Related Companies and Tools Related Companies Affirm Alternatives Robinhood Markets Alternatives PayPal Alternatives Upstart Alternatives Bank of America Alternatives ICICI Bank Alternatives Banco Bilbao Viscaya Argentaria Alternatives Sumitomo Mitsui Financial Group Alternatives Mizuho Financial Group Alternatives iShares Bitcoin Trust ETF Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:SOFI) was last updated on 9/5/2025 by MarketBeat.com Staff From Our PartnersWhy Trump’s “Smart Dollar” could rewrite the rulesMUST SEE: Donald Trump's Radical Overhaul of the U.S. Dollar Congress just approved President Trump's lates...Stansberry Research | Sponsored“Sell Nvidia before earnings”Eric Fry just went live with one of his most controversial calls yet: “Sell Nvidia.” While Wall Street has bee...InvestorPlace | SponsoredHow “Trump’s New Dollar” Could Impact Your WealthPresident Trump just signed a game-changing law… That could soon upgrade the U.S. dollar in your checking a...Brownstone Research | SponsoredForget Tesla — This Tiny AI Stock Is Musk’s Real PlayWhile Wall Street focused on Tesla’s earnings, Elon Musk was quietly building a supercomputer so powerful it c...Behind the Markets | SponsoredThis Coin Could Explode, and it’s Hiding in Plain Sight!The #1 coin with skyrocket potential right now... 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