SoFi Technologies (SOFI) Competitors $23.77 +0.48 (+2.06%) Closing price 08/15/2025 04:00 PM EasternExtended Trading$23.76 -0.02 (-0.06%) As of 08/15/2025 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, IBIT, BMO, MFG, ING, and BNSShould 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 Robinhood Markets PayPal Upstart Bank of America iShares Bitcoin Trust ETF Bank Of Montreal Mizuho Financial Group ING Group Bank of Nova Scotia 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. Do insiders and 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 is poised for long-term growth. Is AFRM or SOFI more profitable? 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% Which has more risk and volatility, AFRM or SOFI? 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. Does the media favor AFRM or SOFI? 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 Do analysts rate AFRM or SOFI? 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) 2.69SoFi Technologies 3 Sell rating(s) 11 Hold rating(s) 6 Buy rating(s) 1 Strong Buy rating(s) 2.24 Which has preferable valuation and earnings, AFRM or SOFI? 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 RatioAffirm$2.32B10.93-$517.76M-$0.21-374.86SoFi Technologies$2.67B9.82$498.67M$0.4849.52 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$25.74B$7.74B$12.44B$9.82BDividend YieldN/A4.77%5.55%4.07%P/E Ratio49.5218.9919.6225.12Price / Sales9.827.1226.71114.82Price / Cash59.2324.3221.8559.05Price / Book3.834.362.286.18Net Income$498.67M$311.03M$1.00B$264.89M7 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 Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)SOFISoFi Technologies2.4202 of 5 stars$23.77+2.1%$18.29-23.0%+244.0%$25.74B$2.67B49.525,000AFRMAffirm2.176 of 5 stars$74.86+0.1%$68.09-9.0%+177.5%$24.13B$2.32B-356.482,006HOODRobinhood Markets3.8145 of 5 stars$105.46-0.9%$96.29-8.7%+484.0%$94.19B$2.95B53.532,300Trending NewsPYPLPayPal4.8383 of 5 stars$67.83-0.3%$84.57+24.7%+1.9%$64.98B$31.80B14.4924,400Trending NewsUPSTUpstart4.2291 of 5 stars$82.62-0.3%$71.62-13.3%+75.2%$7.88B$636.53M-110.161,193Options VolumeBACBank of America4.8089 of 5 stars$45.54-0.7%$50.13+10.1%+20.2%$339.61B$192.43B13.32213,000Trending NewsAnalyst RevisionIBITiShares Bitcoin Trust ETFN/A$64.55-1.0%N/A+104.4%$84.18BN/A0.00N/ABMOBank Of Montreal4.4265 of 5 stars$111.96+0.0%$129.50+15.7%+33.9%$80.42B$58.27B14.5253,597News CoveragePositive NewsAnalyst ForecastAnalyst RevisionMFGMizuho Financial Group4.0446 of 5 stars$5.99+0.9%N/A+56.3%$74.70B$59.30B12.4752,554News CoverageShort Interest ↑Gap UpINGING Group4.0721 of 5 stars$23.20+1.0%N/A+44.2%$72.33B$24.47B10.6960,000News CoveragePositive NewsBNSBank of Nova Scotia4.5696 of 5 stars$55.65-0.6%$81.00+45.6%+22.3%$69.61B$55.90B16.3288,488News CoveragePositive NewsAnalyst Revision Related Companies and Tools Related Companies Affirm Alternatives Robinhood Markets Alternatives PayPal Alternatives Upstart Alternatives Bank of America Alternatives iShares Bitcoin Trust ETF Alternatives Bank Of Montreal Alternatives Mizuho Financial Group Alternatives ING Group Alternatives Bank of Nova Scotia 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 8/16/2025 by MarketBeat.com Staff From Our PartnersMusk’s Project Colossus could mint millionairesI predict this single breakthrough could make Elon the world’s first trillionaire — and mint more new milliona...Brownstone Research | SponsoredGenesis 14:13-17 [HIDDEN MEANING?]A mysterious Bible verse from Genesis may hold the key to unlocking what one expert calls an “American birthri...Paradigm Press | SponsoredEveryone’s watching Nvidia right now. 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