SoFi Technologies (SOFI) Competitors $21.20 -0.31 (-1.44%) Closing price 07/25/2025 04:00 PM EasternExtended Trading$21.24 +0.04 (+0.17%) As of 07/25/2025 07:59 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours 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, BBVA, IBIT, BMO, ING, and MFGShould 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), Banco Bilbao Viscaya Argentaria (BBVA), iShares Bitcoin Trust ETF (IBIT), Bank Of Montreal (BMO), ING Group (ING), and Mizuho Financial Group (MFG). SoFi Technologies vs. Its Competitors Affirm Robinhood Markets PayPal Upstart Bank of America Banco Bilbao Viscaya Argentaria iShares Bitcoin Trust ETF Bank Of Montreal ING Group Mizuho Financial Group SoFi Technologies (NASDAQ:SOFI) and Affirm (NASDAQ:AFRM) are both large-cap banking companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, analyst recommendations, institutional ownership, valuation, media sentiment, risk and profitability. Do institutionals & insiders believe in SOFI or AFRM? 38.4% of SoFi Technologies shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 2.6% of SoFi Technologies shares are owned by company insiders. Comparatively, 11.8% of Affirm shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term. Which has higher earnings and valuation, SOFI or AFRM? SoFi Technologies has higher earnings, but lower revenue 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 RatioSoFi Technologies$2.80B8.37$498.67M$0.4151.71Affirm$3.01B7.20-$517.76M-$0.21-319.48 Which has more risk and volatility, SOFI or AFRM? SoFi Technologies has a beta of 1.91, suggesting that its share price is 91% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.63, suggesting that its share price is 263% more volatile than the S&P 500. Is SOFI or AFRM more profitable? SoFi Technologies has a net margin of 17.21% compared to Affirm's net margin of -2.07%. SoFi Technologies' return on equity of 3.34% beat Affirm's return on equity.Company Net Margins Return on Equity Return on Assets SoFi Technologies17.21% 3.34% 0.60% Affirm -2.07%-2.22%-0.61% Does the media prefer SOFI or AFRM? In the previous week, SoFi Technologies had 31 more articles in the media than Affirm. MarketBeat recorded 34 mentions for SoFi Technologies and 3 mentions for Affirm. SoFi Technologies' average media sentiment score of 0.87 beat Affirm's score of 0.65 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) 9 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Affirm 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Do analysts recommend SOFI or AFRM? SoFi Technologies currently has a consensus price target of $16.78, indicating a potential downside of 20.84%. Affirm has a consensus price target of $67.82, indicating a potential upside of 1.09%. Given Affirm's stronger consensus rating and higher possible upside, analysts plainly 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) 9 Hold rating(s) 6 Buy rating(s) 1 Strong Buy rating(s) 2.26Affirm 0 Sell rating(s) 8 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.74 SummarySoFi Technologies beats Affirm on 9 of the 16 factors compared between the two stocks. Get SoFi Technologies News Delivered to You Automatically Sign up to receive the latest news and ratings for SOFI and its competitors with MarketBeat's FREE daily newsletter. Email Address 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$23.43B$7.94B$12.26B$9.50BDividend YieldN/A4.71%5.54%4.00%P/E Ratio51.7118.8119.0620.08Price / Sales8.375.4126.1189.31Price / Cash54.7021.4421.6358.56Price / Book3.562.792.205.88Net Income$498.67M$311.63M$998.02M$258.89M7 Day Performance-2.80%0.43%0.59%3.71%1 Month Performance26.42%18.47%3.47%11.72%1 Year Performance186.10%27.46%536.57%18.01% SoFi Technologies Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)SOFISoFi Technologies1.8987 of 5 stars$21.20-1.4%$16.78-20.8%+191.6%$23.43B$2.80B51.715,000Upcoming EarningsAFRMAffirm2.3362 of 5 stars$66.15+3.3%$65.90-0.4%+153.6%$20.66B$2.32B-315.002,006Analyst ForecastHOODRobinhood Markets3.3258 of 5 stars$99.54-0.4%$85.29-14.3%+395.0%$88.51B$2.95B56.562,300Trending NewsUpcoming EarningsPYPLPayPal4.4593 of 5 stars$72.96-1.3%$83.42+14.3%+36.3%$71.86B$31.80B16.3224,400Trending NewsUpcoming EarningsUPSTUpstart3.646 of 5 stars$74.13-1.1%$71.62-3.4%+224.3%$7.13B$636.53M-98.841,193BACBank of America4.8997 of 5 stars$46.09-2.1%$49.36+7.1%+16.3%$354.53B$192.43B13.72213,000Trending NewsDividend IncreaseBuyback AnnouncementBBVABanco Bilbao Viscaya Argentaria2.2208 of 5 stars$14.73-2.8%N/A+41.7%$88.50B$38.40B7.79125,916Upcoming EarningsIBITiShares Bitcoin Trust ETFN/A$66.16-3.0%N/A+80.2%$81.65BN/A0.00N/AGap DownBMOBank Of Montreal4.4388 of 5 stars$112.64-0.8%$129.50+15.0%+31.6%$81.58B$58.27B14.6153,597INGING Group3.4395 of 5 stars$22.45-0.7%N/A+30.0%$79.06B$24.47B10.6460,000News CoverageUpcoming EarningsMFGMizuho Financial Group4.4059 of 5 stars$5.47-0.5%N/A+44.8%$69.15B$59.30B11.6352,554Upcoming EarningsAnalyst Downgrade Related Companies and Tools Related Companies Affirm Alternatives Robinhood Markets Alternatives PayPal Alternatives Upstart Alternatives Bank of America Alternatives Banco Bilbao Viscaya Argentaria Alternatives iShares Bitcoin Trust ETF Alternatives Bank Of Montreal Alternatives ING Group Alternatives Mizuho Financial Group 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 7/26/2025 by MarketBeat.com Staff From Our PartnersWhy AMZN, GOOG, MSFT might destroy NVDAInvesting Legend Hints the End May be Near for These 3 Iconic Stocks Futurist Eric Fry say Amazon, Tesla an...InvestorPlace | SponsoredCritical AI announcement set to ignite AI 2.0 I just put together an urgent new presentation that you need to see right away. 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