SoFi Technologies (SOFI) Competitors

$16.02 +0.71 (+4.64%)

Closing price 05/14/2026 04:00 PM Eastern

Extended Trading

$15.71 -0.31 (-1.91%)

As of 04:38 AM Eastern

SOFI vs. AFRM, HOOD, PYPL, UPST, and BAC

Should you buy SoFi Technologies stock or one of its competitors? MarketBeat compares SoFi Technologies with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with SoFi Technologies include Affirm (AFRM), Robinhood Markets (HOOD), PayPal (PYPL), Upstart (UPST), and Bank of America (BAC).

How does SoFi Technologies compare to Affirm?

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 businesses based on the strength of their institutional ownership, valuation, analyst recommendations, dividends, earnings, media sentiment, risk and profitability.

SoFi Technologies has a beta of 2.12, indicating that its share price is 112% more volatile than the broader market. Comparatively, Affirm has a beta of 3.72, indicating that its share price is 272% more volatile than the broader market.

In the previous week, Affirm had 6 more articles in the media than SoFi Technologies. MarketBeat recorded 44 mentions for Affirm and 38 mentions for SoFi Technologies. SoFi Technologies' average media sentiment score of 0.80 beat Affirm's score of 0.78 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	16 Very Positive mention(s)	5 Positive mention(s)	10 Neutral mention(s)	3 Negative mention(s)	1 Very Negative mention(s)	Positive
Affirm	18 Very Positive mention(s)	6 Positive mention(s)	6 Neutral mention(s)	5 Negative mention(s)	0 Very Negative mention(s)	Positive

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 company insiders. Comparatively, 11.0% of Affirm shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

SoFi Technologies has a net margin of 14.65% compared to Affirm's net margin of 9.63%. Affirm's return on equity of 11.17% beat SoFi Technologies' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
SoFi Technologies	14.65%	6.25%	1.21%
Affirm	9.63%	11.17%	3.14%

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SoFi Technologies	$3.94B	5.18	$481.32M	$0.44	36.41
Affirm	$3.97B	5.67	$52.19M	$1.10	61.43

SoFi Technologies presently has a consensus target price of $22.56, suggesting a potential upside of 40.80%. Affirm has a consensus target price of $86.00, suggesting a potential upside of 27.28%. Given SoFi Technologies' higher probable upside, analysts plainly believe SoFi Technologies is more favorable than Affirm.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SoFi Technologies	3 Sell rating(s)	11 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.19
Affirm	0 Sell rating(s)	9 Hold rating(s)	19 Buy rating(s)	1 Strong Buy rating(s)	2.72

Summary

Affirm beats SoFi Technologies on 13 of the 17 factors compared between the two stocks.

How does SoFi Technologies compare to Robinhood Markets?

SoFi Technologies (NASDAQ:SOFI) and Robinhood Markets (NASDAQ:HOOD) are both large-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, valuation, analyst recommendations, dividends, earnings, media sentiment, risk and profitability.

In the previous week, SoFi Technologies had 1 more articles in the media than Robinhood Markets. MarketBeat recorded 38 mentions for SoFi Technologies and 37 mentions for Robinhood Markets. Robinhood Markets' average media sentiment score of 0.90 beat SoFi Technologies' score of 0.80 indicating that Robinhood Markets is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
SoFi Technologies	16 Very Positive mention(s)	5 Positive mention(s)	10 Neutral mention(s)	3 Negative mention(s)	1 Very Negative mention(s)	Positive
Robinhood Markets	18 Very Positive mention(s)	9 Positive mention(s)	8 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SoFi Technologies	$3.94B	5.18	$481.32M	$0.44	36.41
Robinhood Markets	$4.61B	15.75	$1.88B	$2.07	38.99

SoFi Technologies has a beta of 2.12, indicating that its share price is 112% more volatile than the broader market. Comparatively, Robinhood Markets has a beta of 2.29, indicating that its share price is 129% more volatile than the broader market.

Robinhood Markets has a net margin of 41.12% compared to SoFi Technologies' net margin of 14.65%. Robinhood Markets' return on equity of 21.39% beat SoFi Technologies' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
SoFi Technologies	14.65%	6.25%	1.21%
Robinhood Markets	41.12%	21.39%	4.73%

SoFi Technologies presently has a consensus target price of $22.56, suggesting a potential upside of 40.80%. Robinhood Markets has a consensus target price of $107.88, suggesting a potential upside of 33.67%. Given SoFi Technologies' higher probable upside, analysts plainly believe SoFi Technologies is more favorable than Robinhood Markets.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SoFi Technologies	3 Sell rating(s)	11 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.19
Robinhood Markets	2 Sell rating(s)	5 Hold rating(s)	18 Buy rating(s)	0 Strong Buy rating(s)	2.64

38.4% of SoFi Technologies shares are held by institutional investors. Comparatively, 93.3% of Robinhood Markets shares are held by institutional investors. 2.6% of SoFi Technologies shares are held by company insiders. Comparatively, 14.5% of Robinhood Markets shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

Robinhood Markets beats SoFi Technologies on 14 of the 16 factors compared between the two stocks.

How does SoFi Technologies compare to PayPal?

PayPal (NASDAQ:PYPL) and SoFi Technologies (NASDAQ:SOFI) are related large-cap companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, profitability, risk, media sentiment, earnings and valuation.

In the previous week, PayPal had 28 more articles in the media than SoFi Technologies. MarketBeat recorded 66 mentions for PayPal and 38 mentions for SoFi Technologies. SoFi Technologies' average media sentiment score of 0.80 beat PayPal's score of 0.40 indicating that SoFi Technologies is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
PayPal	27 Very Positive mention(s)	13 Positive mention(s)	9 Neutral mention(s)	8 Negative mention(s)	6 Very Negative mention(s)	Neutral
SoFi Technologies	16 Very Positive mention(s)	5 Positive mention(s)	10 Neutral mention(s)	3 Negative mention(s)	1 Very Negative mention(s)	Positive

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PayPal	$33.17B	1.20	$5.23B	$5.33	8.45
SoFi Technologies	$3.94B	5.18	$481.32M	$0.44	36.41

PayPal has a beta of 1.39, meaning that its stock price is 39% more volatile than the broader market. Comparatively, SoFi Technologies has a beta of 2.12, meaning that its stock price is 112% more volatile than the broader market.

PayPal has a net margin of 15.00% compared to SoFi Technologies' net margin of 14.65%. PayPal's return on equity of 25.02% beat SoFi Technologies' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
PayPal	15.00%	25.02%	6.30%
SoFi Technologies	14.65%	6.25%	1.21%

PayPal presently has a consensus target price of $55.85, indicating a potential upside of 24.00%. SoFi Technologies has a consensus target price of $22.56, indicating a potential upside of 40.80%. Given SoFi Technologies' stronger consensus rating and higher possible upside, analysts plainly believe SoFi Technologies is more favorable than PayPal.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PayPal	5 Sell rating(s)	32 Hold rating(s)	8 Buy rating(s)	0 Strong Buy rating(s)	2.07
SoFi Technologies	3 Sell rating(s)	11 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.19

68.3% of PayPal shares are owned by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are owned by institutional investors. 0.6% of PayPal shares are owned by insiders. Comparatively, 2.6% of SoFi Technologies shares are owned 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.

Summary

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

How does SoFi Technologies compare to Upstart?

SoFi Technologies (NASDAQ:SOFI) and Upstart (NASDAQ:UPST) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, institutional ownership, dividends, analyst recommendations, profitability, valuation, risk and media sentiment.

SoFi Technologies currently has a consensus target price of $22.56, indicating a potential upside of 40.80%. Upstart has a consensus target price of $45.79, indicating a potential upside of 54.11%. Given Upstart's stronger consensus rating and higher possible upside, analysts plainly believe Upstart 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)	7 Buy rating(s)	0 Strong Buy rating(s)	2.19
Upstart	3 Sell rating(s)	6 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.25

In the previous week, SoFi Technologies had 4 more articles in the media than Upstart. MarketBeat recorded 38 mentions for SoFi Technologies and 34 mentions for Upstart. SoFi Technologies' average media sentiment score of 0.80 beat Upstart's score of 0.21 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	16 Very Positive mention(s)	5 Positive mention(s)	10 Neutral mention(s)	3 Negative mention(s)	1 Very Negative mention(s)	Positive
Upstart	7 Very Positive mention(s)	1 Positive mention(s)	20 Neutral mention(s)	3 Negative mention(s)	0 Very Negative mention(s)	Neutral

38.4% of SoFi Technologies shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 2.6% of SoFi Technologies shares are owned by company insiders. Comparatively, 16.7% of Upstart shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

SoFi Technologies has a beta of 2.12, meaning that its share price is 112% more volatile than the broader market. Comparatively, Upstart has a beta of 2.26, meaning that its share price is 126% more volatile than the broader market.

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SoFi Technologies	$3.94B	5.18	$481.32M	$0.44	36.41
Upstart	$1.12B	2.54	$53.60M	$0.38	78.18

SoFi Technologies has a net margin of 14.65% compared to Upstart's net margin of 4.34%. SoFi Technologies' return on equity of 6.25% beat Upstart's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
SoFi Technologies	14.65%	6.25%	1.21%
Upstart	4.34%	5.63%	1.49%

Summary

SoFi Technologies beats Upstart on 8 of the 15 factors compared between the two stocks.

How does SoFi Technologies compare to Bank of America?

SoFi Technologies (NASDAQ:SOFI) and Bank of America (NYSE:BAC) are both large-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, institutional ownership, dividends, analyst recommendations, profitability, valuation, risk and media sentiment.

SoFi Technologies currently has a consensus target price of $22.56, indicating a potential upside of 40.80%. Bank of America has a consensus target price of $61.06, indicating a potential upside of 22.39%. Given SoFi Technologies' higher possible upside, analysts plainly believe SoFi Technologies is more favorable than Bank of America.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SoFi Technologies	3 Sell rating(s)	11 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.19
Bank of America	0 Sell rating(s)	5 Hold rating(s)	22 Buy rating(s)	0 Strong Buy rating(s)	2.81

In the previous week, Bank of America had 66 more articles in the media than SoFi Technologies. MarketBeat recorded 104 mentions for Bank of America and 38 mentions for SoFi Technologies. Bank of America's average media sentiment score of 0.99 beat SoFi Technologies' score of 0.80 indicating that Bank of America is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
SoFi Technologies	16 Very Positive mention(s)	5 Positive mention(s)	10 Neutral mention(s)	3 Negative mention(s)	1 Very Negative mention(s)	Positive
Bank of America	67 Very Positive mention(s)	15 Positive mention(s)	7 Neutral mention(s)	11 Negative mention(s)	4 Very Negative mention(s)	Positive

38.4% of SoFi Technologies shares are owned by institutional investors. Comparatively, 70.7% of Bank of America shares are owned by institutional investors. 2.6% of SoFi Technologies shares are owned by company insiders. Comparatively, 0.3% of Bank of America shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

SoFi Technologies has a beta of 2.12, meaning that its share price is 112% more volatile than the broader market. Comparatively, Bank of America has a beta of 1.21, meaning that its share price is 21% more volatile than the broader market.

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SoFi Technologies	$3.94B	5.18	$481.32M	$0.44	36.41
Bank of America	$191.57B	1.85	$30.51B	$4.04	12.35

Bank of America has a net margin of 16.78% compared to SoFi Technologies' net margin of 14.65%. Bank of America's return on equity of 11.49% beat SoFi Technologies' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
SoFi Technologies	14.65%	6.25%	1.21%
Bank of America	16.78%	11.49%	0.93%

Summary

Bank of America beats SoFi Technologies on 10 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.

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.

SOFI vs. The Competition

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Metric	SoFi Technologies	FIN Industry	Finance Sector	NASDAQ Exchange
Market Cap	$19.52B	$7.06B	$13.45B	$12.37B
Dividend Yield	N/A	5.76%	5.84%	5.35%
P/E Ratio	36.41	90.09	23.17	25.63
Price / Sales	5.18	12.75	175.60	76.59
Price / Cash	27.29	74.26	20.45	56.33
Price / Book	1.89	2.66	2.15	6.97
Net Income	$481.32M	$301.20M	$1.11B	$333.62M
7 Day Performance	1.71%	0.26%	-0.69%	1.09%
1 Month Performance	-14.74%	2.90%	0.23%	3.08%
1 Year Performance	18.05%	21.00%	10.84%	35.68%

SoFi Technologies Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
SOFI SoFi Technologies	4.3577 of 5 stars	$16.02 +4.6%	$22.56 +40.8%	+14.2%	$19.52B	$3.94B	36.41	6,100	Trending News Analyst Forecast
AFRM Affirm	4.5764 of 5 stars	$65.43 -1.5%	$85.80 +31.1%	+19.5%	$22.14B	$3.24B	59.48	2,206	Trending News Analyst Forecast Insider Trade
HOOD Robinhood Markets	4.7102 of 5 stars	$78.27 -3.1%	$107.88 +37.8%	+31.5%	$72.74B	$4.47B	37.81	2,900	Trending News
PYPL PayPal	4.8812 of 5 stars	$45.44 +0.8%	$55.85 +22.9%	-38.0%	$39.76B	$33.17B	8.53	23,800	Trending News Analyst Forecast
UPST Upstart	4.8505 of 5 stars	$27.84 -3.0%	$45.79 +64.5%	-42.1%	$2.75B	$1.04B	73.26	1,405	Trending News Insider Trade Gap Up

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This page (NASDAQ:SOFI) was last updated on 5/15/2026 by MarketBeat.com Staff.

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SoFi Technologies (SOFI) Competitors

SOFI vs. AFRM, HOOD, PYPL, UPST, and BAC

How does SoFi Technologies compare to Affirm?

Summary

How does SoFi Technologies compare to Robinhood Markets?

Summary

How does SoFi Technologies compare to PayPal?

Summary

How does SoFi Technologies compare to Upstart?

Summary

How does SoFi Technologies compare to Bank of America?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

SOFI vs. The Competition

SoFi Technologies Competitors List

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Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

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SoFi Technologies (SOFI) Competitors

SOFI vs. AFRM, HOOD, PYPL, UPST, and BAC

How does SoFi Technologies compare to Affirm?

Which has more risk & volatility, SOFI or AFRM?

Does the media favor SOFI or AFRM?

Do institutionals and insiders believe in SOFI or AFRM?

Is SOFI or AFRM more profitable?

Which has better earnings & valuation, SOFI or AFRM?

Do analysts rate SOFI or AFRM?

Summary

How does SoFi Technologies compare to Robinhood Markets?

Does the media favor SOFI or HOOD?

Which has better earnings & valuation, SOFI or HOOD?

Which has more risk & volatility, SOFI or HOOD?

Is SOFI or HOOD more profitable?

Do analysts rate SOFI or HOOD?

Do institutionals and insiders believe in SOFI or HOOD?

Summary

How does SoFi Technologies compare to PayPal?

Does the media refer more to PYPL or SOFI?

Which has stronger valuation & earnings, PYPL or SOFI?

Which has more risk & volatility, PYPL or SOFI?

Is PYPL or SOFI more profitable?

Do analysts prefer PYPL or SOFI?

Do insiders & institutionals believe in PYPL or SOFI?

Summary

How does SoFi Technologies compare to Upstart?

Do analysts prefer SOFI or UPST?

Does the media prefer SOFI or UPST?

Do institutionals & insiders believe in SOFI or UPST?

Which has more volatility and risk, SOFI or UPST?

Which has higher valuation and earnings, SOFI or UPST?

Is SOFI or UPST more profitable?

Summary

How does SoFi Technologies compare to Bank of America?

Do analysts prefer SOFI or BAC?

Does the media prefer SOFI or BAC?

Do institutionals & insiders believe in SOFI or BAC?

Which has more volatility and risk, SOFI or BAC?

Which has higher valuation and earnings, SOFI or BAC?

Is SOFI or BAC more profitable?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

SOFI vs. The Competition

SoFi Technologies Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools