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SoFi Technologies (SOFI) Competitors

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$15.77 -0.07 (-0.44%)
Closing price 10/2/2026 04:00 PM Eastern
Extended Trading
$15.76 -0.01 (-0.10%)
As of 10/2/2026 07:59 PM Eastern
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SOFI vs. AFRM, AMZN, HOOD, PYPL, and UPST

Should you buy SoFi Technologies stock or one of its competitors? SoFi Technologies's main competitors and comparable companies include Affirm (AFRM), Amazon.com (AMZN), Robinhood Markets (HOOD), PayPal (PYPL), and Upstart (UPST). Companies are selected based on similarities in market, industry, and size.

How does SoFi Technologies compare to Affirm?

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

69.3% of Affirm shares are owned by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are owned by institutional investors. 11.0% of Affirm shares are owned by company insiders. Comparatively, 2.5% of SoFi Technologies shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Affirm presently has a consensus target price of $98.78, suggesting a potential upside of 39.58%. SoFi Technologies has a consensus target price of $22.53, suggesting a potential upside of 42.83%. 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
Affirm
0 Sell rating(s)
8 Hold rating(s)
25 Buy rating(s)
0 Strong Buy rating(s)
2.76
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.26

Affirm has higher revenue and earnings than SoFi Technologies. 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 Ratio
Affirm$4.26B5.60$1.93B$5.5212.82
SoFi Technologies$3.61B5.64$481.32M$0.4832.85

In the previous week, SoFi Technologies had 10 more articles in the media than Affirm. MarketBeat recorded 14 mentions for SoFi Technologies and 4 mentions for Affirm. SoFi Technologies' average media sentiment score of 0.52 beat Affirm's score of 0.30 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
0 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral
SoFi Technologies
7 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive

Affirm has a net margin of 45.29% compared to SoFi Technologies' net margin of 14.78%. Affirm's return on equity of 47.91% beat SoFi Technologies' return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm45.29% 47.91% 14.46%
SoFi Technologies 14.78%6.22%1.22%

Affirm has a beta of 3.82, indicating that its stock price is 282% more volatile than the broader market. Comparatively, SoFi Technologies has a beta of 2.33, indicating that its stock price is 133% more volatile than the broader market.

Summary

Affirm beats SoFi Technologies on 11 of the 16 factors compared between the two stocks.

How does SoFi Technologies compare to Amazon.com?

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

SoFi Technologies currently has a consensus price target of $22.53, suggesting a potential upside of 42.83%. Amazon.com has a consensus price target of $321.63, suggesting a potential upside of 27.88%. Given SoFi Technologies' higher possible upside, research analysts plainly believe SoFi Technologies is more favorable than Amazon.com.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.26
Amazon.com
0 Sell rating(s)
3 Hold rating(s)
56 Buy rating(s)
0 Strong Buy rating(s)
2.95

In the previous week, Amazon.com had 311 more articles in the media than SoFi Technologies. MarketBeat recorded 325 mentions for Amazon.com and 14 mentions for SoFi Technologies. Amazon.com's average media sentiment score of 0.88 beat SoFi Technologies' score of 0.52 indicating that Amazon.com is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
SoFi Technologies
7 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive
Amazon.com
189 Very Positive mention(s)
49 Positive mention(s)
40 Neutral mention(s)
29 Negative mention(s)
17 Very Negative mention(s)
Positive

Amazon.com has higher revenue and earnings than SoFi Technologies. Amazon.com 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 Ratio
SoFi Technologies$3.61B5.64$481.32M$0.4832.85
Amazon.com$716.92B3.78$77.67B$12.4320.23

Amazon.com has a net margin of 17.44% compared to SoFi Technologies' net margin of 14.78%. Amazon.com's return on equity of 18.00% beat SoFi Technologies' return on equity.

Company Net Margins Return on Equity Return on Assets
SoFi Technologies14.78% 6.22% 1.22%
Amazon.com 17.44%18.00%8.97%

SoFi Technologies has a beta of 2.33, indicating that its share price is 133% more volatile than the broader market. Comparatively, Amazon.com has a beta of 1.45, indicating that its share price is 45% more volatile than the broader market.

38.4% of SoFi Technologies shares are held by institutional investors. Comparatively, 72.2% of Amazon.com shares are held by institutional investors. 2.5% of SoFi Technologies shares are held by company insiders. Comparatively, 8.9% of Amazon.com shares are held 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.

Summary

Amazon.com beats SoFi Technologies on 12 of the 16 factors compared between the two stocks.

How does SoFi Technologies compare to Robinhood Markets?

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

Robinhood Markets currently has a consensus target price of $132.50, suggesting a potential upside of 17.53%. SoFi Technologies has a consensus target price of $22.53, suggesting a potential upside of 42.83%. Given SoFi Technologies' higher possible upside, analysts clearly believe SoFi Technologies is more favorable than Robinhood Markets.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Robinhood Markets
0 Sell rating(s)
4 Hold rating(s)
23 Buy rating(s)
2 Strong Buy rating(s)
2.93
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.26

In the previous week, Robinhood Markets had 68 more articles in the media than SoFi Technologies. MarketBeat recorded 82 mentions for Robinhood Markets and 14 mentions for SoFi Technologies. SoFi Technologies' average media sentiment score of 0.52 beat Robinhood Markets' score of 0.45 indicating that SoFi Technologies is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Robinhood Markets
24 Very Positive mention(s)
19 Positive mention(s)
29 Neutral mention(s)
3 Negative mention(s)
2 Very Negative mention(s)
Neutral
SoFi Technologies
7 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
3 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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Robinhood Markets$4.47B22.66$1.88B$2.2749.67
SoFi Technologies$3.61B5.64$481.32M$0.4832.85

Robinhood Markets has a net margin of 42.01% compared to SoFi Technologies' net margin of 14.78%. Robinhood Markets' return on equity of 22.43% beat SoFi Technologies' return on equity.

Company Net Margins Return on Equity Return on Assets
Robinhood Markets42.01% 22.43% 4.56%
SoFi Technologies 14.78%6.22%1.22%

93.3% of Robinhood Markets shares are owned by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are owned by institutional investors. 13.5% of Robinhood Markets shares are owned by company insiders. Comparatively, 2.5% of SoFi Technologies shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Robinhood Markets has a beta of 2.35, suggesting that its share price is 135% more volatile than the broader market. Comparatively, SoFi Technologies has a beta of 2.33, suggesting that its share price is 133% more volatile than the broader market.

Summary

Robinhood Markets beats SoFi Technologies on 15 of the 17 factors compared between the two stocks.

How does SoFi Technologies compare to PayPal?

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

PayPal has a beta of 1.27, meaning that its stock price is 27% more volatile than the broader market. Comparatively, SoFi Technologies has a beta of 2.33, meaning that its stock price is 133% more volatile than the broader market.

SoFi Technologies has a net margin of 14.78% compared to PayPal's net margin of 14.36%. PayPal's return on equity of 24.39% beat SoFi Technologies' return on equity.

Company Net Margins Return on Equity Return on Assets
PayPal14.36% 24.39% 6.06%
SoFi Technologies 14.78%6.22%1.22%

PayPal presently has a consensus price target of $56.31, suggesting a potential upside of 6.64%. SoFi Technologies has a consensus price target of $22.53, suggesting a potential upside of 42.83%. Given SoFi Technologies' stronger consensus rating and higher probable upside, analysts clearly believe SoFi Technologies is more favorable than PayPal.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PayPal
4 Sell rating(s)
34 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.11
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.26

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
PayPal$33.17B1.36$5.23B$5.299.98
SoFi Technologies$3.61B5.64$481.32M$0.4832.85

68.3% of PayPal shares are held by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are held by institutional investors. 0.6% of PayPal shares are held by insiders. Comparatively, 2.5% 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.

In the previous week, PayPal had 15 more articles in the media than SoFi Technologies. MarketBeat recorded 29 mentions for PayPal and 14 mentions for SoFi Technologies. PayPal's average media sentiment score of 0.78 beat SoFi Technologies' score of 0.52 indicating that PayPal is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
PayPal
17 Very Positive mention(s)
4 Positive mention(s)
4 Neutral mention(s)
2 Negative mention(s)
2 Very Negative mention(s)
Positive
SoFi Technologies
7 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

PayPal beats SoFi Technologies on 8 of the 15 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 businesses based on the strength of their institutional ownership, risk, earnings, valuation, media sentiment, profitability, analyst recommendations and dividends.

In the previous week, SoFi Technologies had 8 more articles in the media than Upstart. MarketBeat recorded 14 mentions for SoFi Technologies and 6 mentions for Upstart. Upstart's average media sentiment score of 0.66 beat SoFi Technologies' score of 0.52 indicating that Upstart is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
SoFi Technologies
7 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive
Upstart
2 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

38.4% of SoFi Technologies shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 2.5% of SoFi Technologies shares are held by insiders. Comparatively, 17.3% of Upstart shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

SoFi Technologies has a net margin of 14.78% compared to Upstart's net margin of 4.84%. Upstart's return on equity of 7.13% beat SoFi Technologies' return on equity.

Company Net Margins Return on Equity Return on Assets
SoFi Technologies14.78% 6.22% 1.22%
Upstart 4.84%7.13%1.82%

SoFi Technologies has a beta of 2.33, meaning that its share price is 133% more volatile than the broader market. Comparatively, Upstart has a beta of 2.43, meaning that its share price is 143% more volatile than the broader market.

SoFi Technologies currently has a consensus price target of $22.53, indicating a potential upside of 42.83%. Upstart has a consensus price target of $43.75, indicating a potential upside of 91.80%. Given Upstart's stronger consensus rating and higher probable 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)
9 Buy rating(s)
0 Strong Buy rating(s)
2.26
Upstart
2 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
SoFi Technologies$3.61B5.64$481.32M$0.4832.85
Upstart$1.04B2.13$53.60M$0.4946.55

Summary

Upstart 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.
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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.
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SOFI vs. The Competition

MetricSoFi TechnologiesConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$20.37B$6.71B$13.12B$13.28B
Dividend YieldN/A12.83%6.03%17.33%
P/E Ratio32.858.4424.5126.04
Price / Sales5.6466.35501.34111.00
Price / Cash28.1111.1245.5152.62
Price / Book1.922.482.706.31
Net Income$481.32M$442.63M$1.32B$362.16M
7 Day Performance-4.89%-2.11%-1.04%-1.66%
1 Month Performance-13.45%-7.18%-3.20%-4.68%
1 Year Performance-37.52%2.25%10.47%1.57%

SoFi Technologies Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
SOFI
SoFi Technologies
3.8841 of 5 stars
$15.77
-0.4%
$22.53
+42.8%
-37.5%$20.37B$3.61B32.856,100
AFRM
Affirm
4.4672 of 5 stars
$69.30
+3.1%
$98.78
+42.5%
-5.4%$22.68B$4.26B12.552,358
AMZN
Amazon.com
4.9779 of 5 stars
$246.67
+0.2%
$321.19
+30.2%
+14.6%$2.66T$716.92B19.841,576,000
HOOD
Robinhood Markets
4.1583 of 5 stars
$116.22
-0.2%
$132.83
+14.3%
-24.2%$104.71B$4.47B51.202,900
PYPL
PayPal
4.3576 of 5 stars
$53.89
-0.7%
$56.31
+4.5%
-23.8%$46.43B$34.13B10.1923,800

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This page (NASDAQ:SOFI) was last updated on 10/4/2026 by MarketBeat.com Staff.
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