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SoFi Technologies (SOFI) Competitors

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$18.55 +0.42 (+2.32%)
Closing price 07/14/2026 04:00 PM Eastern
Extended Trading
$18.64 +0.09 (+0.50%)
As of 07/14/2026 08:00 PM Eastern
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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 better business? We will compare the two businesses based on the strength of their valuation, risk, earnings, profitability, media sentiment, institutional ownership, dividends and analyst recommendations.

SoFi Technologies has higher revenue and 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 Ratio
SoFi Technologies$3.61B6.59$481.32M$0.4442.16
Affirm$3.24B8.72$52.19M$1.1076.77

SoFi Technologies has a beta of 2.14, suggesting that its share price is 114% more volatile than the broader market. Comparatively, Affirm has a beta of 3.67, suggesting that its share price is 267% more volatile than the broader market.

38.4% of SoFi Technologies shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 2.5% of SoFi Technologies shares are owned by insiders. Comparatively, 11.0% of Affirm shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company 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 Technologies14.65% 6.25% 1.21%
Affirm 9.63%11.17%3.14%

SoFi Technologies currently has a consensus price target of $22.78, suggesting a potential upside of 22.79%. Affirm has a consensus price target of $90.81, suggesting a potential upside of 7.53%. Given SoFi Technologies' higher probable upside, equities analysts clearly 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)
8 Hold rating(s)
21 Buy rating(s)
1 Strong Buy rating(s)
2.77

In the previous week, SoFi Technologies had 13 more articles in the media than Affirm. MarketBeat recorded 25 mentions for SoFi Technologies and 12 mentions for Affirm. Affirm's average media sentiment score of 1.02 beat SoFi Technologies' score of 0.93 indicating that Affirm is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
SoFi Technologies
13 Very Positive mention(s)
5 Positive mention(s)
5 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Affirm
3 Very Positive mention(s)
3 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Affirm beats SoFi Technologies on 12 of the 17 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 business? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, media sentiment, earnings, institutional ownership, risk, profitability and valuation.

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 large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Robinhood Markets presently has a consensus price target of $118.00, indicating a potential upside of 4.01%. SoFi Technologies has a consensus price target of $22.78, indicating a potential upside of 22.79%. Given SoFi Technologies' higher possible upside, analysts plainly 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)
5 Hold rating(s)
21 Buy rating(s)
0 Strong Buy rating(s)
2.81
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.19

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
Robinhood Markets41.12% 21.39% 4.73%
SoFi Technologies 14.65%6.25%1.21%

In the previous week, Robinhood Markets had 38 more articles in the media than SoFi Technologies. MarketBeat recorded 63 mentions for Robinhood Markets and 25 mentions for SoFi Technologies. SoFi Technologies' average media sentiment score of 0.93 beat Robinhood Markets' score of 0.53 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
26 Very Positive mention(s)
11 Positive mention(s)
16 Neutral mention(s)
1 Negative mention(s)
4 Very Negative mention(s)
Positive
SoFi Technologies
13 Very Positive mention(s)
5 Positive mention(s)
5 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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Robinhood Markets$4.47B22.84$1.88B$2.0754.81
SoFi Technologies$3.61B6.59$481.32M$0.4442.16

Robinhood Markets has a beta of 2.33, indicating that its share price is 133% more volatile than the broader market. Comparatively, SoFi Technologies has a beta of 2.14, indicating that its share price is 114% more volatile than the broader market.

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 better stock? We will contrast the two businesses based on the strength of their dividends, institutional ownership, media sentiment, earnings, analyst recommendations, risk, profitability and valuation.

PayPal currently has a consensus target price of $53.91, indicating a potential upside of 13.80%. SoFi Technologies has a consensus target price of $22.78, indicating a potential upside of 22.79%. 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
6 Sell rating(s)
32 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.02
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.19

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
PayPal15.00% 25.02% 6.30%
SoFi Technologies 14.65%6.25%1.21%

In the previous week, PayPal had 22 more articles in the media than SoFi Technologies. MarketBeat recorded 47 mentions for PayPal and 25 mentions for SoFi Technologies. PayPal's average media sentiment score of 1.01 beat SoFi Technologies' score of 0.93 indicating that PayPal is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
PayPal
30 Very Positive mention(s)
7 Positive mention(s)
5 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive
SoFi Technologies
13 Very Positive mention(s)
5 Positive mention(s)
5 Neutral mention(s)
1 Negative mention(s)
0 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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
PayPal$33.17B1.26$5.23B$5.338.89
SoFi Technologies$3.61B6.59$481.32M$0.4442.16

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

PayPal has a beta of 1.33, meaning that its share price is 33% more volatile than the broader market. Comparatively, SoFi Technologies has a beta of 2.14, meaning that its share price is 114% more volatile than the broader market.

Summary

PayPal beats SoFi Technologies on 9 of the 15 factors compared between the two stocks.

How does SoFi Technologies compare to Upstart?

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

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
Upstart4.34% 5.63% 1.49%
SoFi Technologies 14.65%6.25%1.21%

In the previous week, SoFi Technologies had 20 more articles in the media than Upstart. MarketBeat recorded 25 mentions for SoFi Technologies and 5 mentions for Upstart. SoFi Technologies' average media sentiment score of 0.93 beat Upstart's score of 0.85 indicating that SoFi Technologies is being referred to more favorably in the news media.

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

Upstart has a beta of 2.26, indicating that its stock price is 126% more volatile than the broader market. Comparatively, SoFi Technologies has a beta of 2.14, indicating that its stock price is 114% more volatile than the broader market.

63.0% of Upstart shares are held by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are held by institutional investors. 17.3% of Upstart shares are held by company insiders. Comparatively, 2.5% of SoFi Technologies shares are held by company 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.

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
Upstart$1.04B2.91$53.60M$0.3883.47
SoFi Technologies$3.61B6.59$481.32M$0.4442.16

Upstart currently has a consensus price target of $45.20, indicating a potential upside of 42.50%. SoFi Technologies has a consensus price target of $22.78, indicating a potential upside of 22.79%. Given Upstart's stronger consensus rating and higher possible upside, equities research analysts plainly believe Upstart is more favorable than SoFi Technologies.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
3 Sell rating(s)
7 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.24
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.19

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?

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

Bank of America has a beta of 1.17, indicating that its share price is 17% more volatile than the broader market. Comparatively, SoFi Technologies has a beta of 2.14, indicating that its share price is 114% more volatile than the broader market.

In the previous week, Bank of America had 136 more articles in the media than SoFi Technologies. MarketBeat recorded 161 mentions for Bank of America and 25 mentions for SoFi Technologies. SoFi Technologies' average media sentiment score of 0.93 beat Bank of America'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
Bank of America
77 Very Positive mention(s)
30 Positive mention(s)
35 Neutral mention(s)
11 Negative mention(s)
7 Very Negative mention(s)
Positive
SoFi Technologies
13 Very Positive mention(s)
5 Positive mention(s)
5 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

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
Bank of America16.78% 11.49% 0.93%
SoFi Technologies 14.65%6.25%1.21%

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bank of America$191.57B2.25$30.51B$4.0415.01
SoFi Technologies$3.61B6.59$481.32M$0.4442.16

Bank of America presently has a consensus price target of $62.60, suggesting a potential upside of 3.24%. SoFi Technologies has a consensus price target of $22.78, suggesting a potential upside of 22.79%. 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
Bank of America
0 Sell rating(s)
6 Hold rating(s)
21 Buy rating(s)
0 Strong Buy rating(s)
2.78
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.19

70.7% of Bank of America shares are owned by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are owned by institutional investors. 0.3% of Bank of America 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 will outperform the market over the long term.

Summary

Bank of America beats SoFi Technologies on 9 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 TechnologiesFIN IndustryFinance SectorNASDAQ Exchange
Market Cap$23.26B$7.20B$14.28B$12.44B
Dividend YieldN/A5.04%5.70%8.43%
P/E Ratio42.1617.4620.5224.38
Price / Sales6.5910.9145.2292.59
Price / Cash32.3148.8319.3259.36
Price / Book2.253.252.256.33
Net Income$481.32M$305.88M$1.13B$331.02M
7 Day Performance4.62%5.19%0.94%-0.33%
1 Month Performance8.29%-1.66%1.19%-1.29%
1 Year Performance-11.50%-2.45%13.45%21.30%

SoFi Technologies Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
SOFI
SoFi Technologies
4.5371 of 5 stars
$18.55
+2.3%
$22.78
+22.8%
-13.0%$23.26B$3.61B42.166,100
AFRM
Affirm
3.3715 of 5 stars
$83.62
-2.5%
$88.48
+5.8%
+31.9%$28.73B$3.24B76.022,206
HOOD
Robinhood Markets
3.5259 of 5 stars
$112.90
-4.0%
$115.00
+1.9%
+13.5%$105.85B$4.47B54.542,900
PYPL
PayPal
4.4087 of 5 stars
$45.65
+1.2%
$53.72
+17.7%
-35.9%$39.77B$33.17B8.5623,800
UPST
Upstart
4.7433 of 5 stars
$33.06
-3.7%
$44.93
+35.9%
-57.7%$3.29B$1.04B87.001,405

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This page (NASDAQ:SOFI) was last updated on 7/15/2026 by MarketBeat.com Staff.
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