SoFi Technologies (SOFI) Competitors $28.14 +1.78 (+6.75%) Closing price 10/7/2025 04:00 PM EasternExtended Trading$28.03 -0.11 (-0.38%) As of 10/7/2025 08:00 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, LC, BBVA, SMFG, IBN, and BMOShould 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), LendingClub (LC), Banco Bilbao Viscaya Argentaria (BBVA), Sumitomo Mitsui Financial Group (SMFG), ICICI Bank (IBN), and Bank Of Montreal (BMO). SoFi Technologies vs. Its Competitors Affirm Robinhood Markets PayPal Upstart Bank of America LendingClub Banco Bilbao Viscaya Argentaria Sumitomo Mitsui Financial Group ICICI Bank Bank Of Montreal Affirm (NASDAQ:AFRM) and SoFi Technologies (NASDAQ:SOFI) are both large-cap banking companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, risk, earnings, media sentiment, dividends, valuation and profitability. Do insiders & institutionals believe in AFRM or SOFI? 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 will outperform the market over the long term. Is AFRM or SOFI 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 Affirm1.62% 1.80% 0.49% SoFi Technologies 18.38%4.44%0.78% Which has preferable valuation and earnings, AFRM or SOFI? SoFi Technologies has lower revenue, but higher earnings 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 RatioAffirm$3.24B7.69$52.19M$0.13589.62SoFi Technologies$2.67B12.60$498.67M$0.4858.63 Which has more risk and volatility, AFRM or SOFI? Affirm has a beta of 3.58, indicating that its stock price is 258% more volatile than the S&P 500. Comparatively, SoFi Technologies has a beta of 1.92, indicating that its stock price is 92% more volatile than the S&P 500. Does the media favor AFRM or SOFI? In the previous week, SoFi Technologies had 37 more articles in the media than Affirm. MarketBeat recorded 42 mentions for SoFi Technologies and 5 mentions for Affirm. Affirm's average media sentiment score of 1.14 beat SoFi Technologies' score of 0.95 indicating that Affirm is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Affirm 1 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive SoFi Technologies 23 Very Positive mention(s) 9 Positive mention(s) 9 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Do analysts rate AFRM or SOFI? Affirm presently has a consensus target price of $82.65, suggesting a potential upside of 7.83%. SoFi Technologies has a consensus target price of $20.18, suggesting a potential downside of 28.30%. Given Affirm's stronger consensus rating and higher possible upside, equities research analysts plainly 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) 11 Hold rating(s) 19 Buy rating(s) 2 Strong Buy rating(s) 2.72SoFi Technologies 3 Sell rating(s) 12 Hold rating(s) 6 Buy rating(s) 1 Strong Buy rating(s) 2.23 SummaryAffirm beats SoFi Technologies on 10 of the 17 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. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. 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$31.56B$8.13B$12.73B$10.65BDividend YieldN/A4.82%5.52%4.75%P/E Ratio58.6316.5930.2026.85Price / Sales12.606.1830.01135.13Price / Cash67.0428.1622.6661.77Price / Book4.722.782.296.70Net Income$498.67M$313.50M$1.02B$276.44M7 Day Performance9.24%2.20%0.23%2.48%1 Month Performance8.40%9.73%0.27%8.79%1 Year Performance234.60%27.97%539.31%34.41% SoFi Technologies Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)SOFISoFi Technologies2.3503 of 5 stars$28.14+6.8%$20.18-28.3%+240.3%$31.56B$2.67B58.635,000Trending NewsOptions VolumeAFRMAffirm3.0162 of 5 stars$73.08-4.5%$80.04+9.5%+98.6%$24.93B$3.24B562.202,206News CoveragePositive NewsAnalyst UpgradeHOODRobinhood Markets3.1477 of 5 stars$143.18+4.7%$105.63-26.2%+521.8%$121.50B$2.95B72.682,300Trending NewsInsider TradePYPLPayPal4.6706 of 5 stars$67.06-3.8%$84.50+26.0%-7.0%$66.57B$31.80B14.3324,400Trending NewsGap UpUPSTUpstart4.11 of 5 stars$50.80-3.7%$81.08+59.6%+26.3%$5.07B$636.53M-635.001,193BACBank of America4.9356 of 5 stars$51.58-1.6%$52.63+2.0%+25.7%$388.27B$192.43B15.08213,000Trending NewsUpcoming EarningsAnalyst ForecastAnalyst RevisionLCLendingClub4.2356 of 5 stars$15.20-5.6%$16.57+9.0%+36.4%$1.85B$787.01M23.751,002High Trading VolumeBBVABanco Bilbao Viscaya Argentaria2.2942 of 5 stars$19.28+1.3%N/A+74.9%$111.10B$39.82B10.15125,916Positive NewsSMFGSumitomo Mitsui Financial Group4.3935 of 5 stars$16.76-0.5%N/A+23.9%$108.26B$66.82B17.64123,000Positive NewsIBNICICI Bank1.6814 of 5 stars$30.26-0.2%N/A+7.6%$108.24B$22.68B18.68182,665Stock SplitBMOBank Of Montreal4.9269 of 5 stars$130.27+0.4%$168.00+29.0%+41.6%$92.79B$58.27B15.9453,597 Related Companies and Tools Related Companies Affirm Alternatives Robinhood Markets Alternatives PayPal Alternatives Upstart Alternatives Bank of America Alternatives LendingClub Alternatives Banco Bilbao Viscaya Argentaria Alternatives Sumitomo Mitsui Financial Group Alternatives ICICI Bank Alternatives Bank Of Montreal 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 10/8/2025 by MarketBeat.com Staff From Our PartnersBuy UBER immediatelyBULLISH: It's time to buy this 'hidden' AI stock An award-winning stock-rating system has turned BULLISH on...Chaikin Analytics | SponsoredURGENT: The Market's 3 Red Flags Are FlashingHere’s the uncomfortable truth: The smartest investors in the world are already preparing for a crash befor...StockEarnings | SponsoredGet my No. 1 gold stock nowGold recently broke past $3,800 per ounce – setting yet another new all-time high. 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