SoFi Technologies Inc (SOFI) Peer Comparison
$17.48
$0.71
(4.23%)
As on 04-Nov-2026 15:37EST
Market cap
$21,731 Mln
Revenue (TTM)
$6,113 Mln
P/E Ratio
30.5
P/B Ratio
2
Div. Yield
0 %
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| SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | Synchrony Financial (SYF) | Ally Financial (ALLY) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
21,731 | 217,064 | 125,672 | 25,044 | 12,058 |
Revenue ($ Mln) |
6,113 | 85,496 | 79,149 | 18,922 | 16,044 |
Net Profit ($ Mln) |
737.86 | 12,255.00 | 10,867.00 | 3,333.00 | 1,489.00 |
Net Margin (%) |
12.07 | 14.33 | 13.73 | 17.61 | 9.28 |
RoE (%) |
6.68 | 35.12 | 9.79 | 20.18 | 9.74 |
Price to Earnings |
30.47 | 18.24 | 12.55 | 8.03 | 9.07 |
Price-To-Book |
2.02 | 6.22 | 1.17 | 1.65 | 0.91 |
Income Statement ($ Mln)
| SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | Synchrony Financial (SYF) | Ally Financial (ALLY) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
6,113.38 | 85,496.00 | 79,149.00 | 18,922.00 | 16,044.00 |
|
Cost of Revenue
|
1,426.99 | 12,643.00 | 26,435.00 | 9,139.00 | 8,050.00 |
|
Gross Profit
|
3,583.04 | 66,974.00 | 32,779.00 | 9,756.00 | 6,318.00 |
|
Operating Expenses
|
3,779.37 | 49,296.00 | 36,000.00 | 5,417.00 | 6,104.00 |
|
Operating Profit (EBIT)
|
907.03 | 23,557.00 | 16,714.00 | 4,366.00 | 1,890.00 |
|
Other Income
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Profit before Tax
|
907.03 | 15,470.00 | 13,188.00 | 4,366.00 | 1,890.00 |
|
Provision for Tax
|
169.16 | 3,215.00 | 2,694.00 | 1,033.00 | 401.00 |
|
Profit after Tax (Net Income)
|
737.86 | 12,255.00 | 10,867.00 | 3,333.00 | 1,489.00 |
|
Minority Interest
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Consolidated Profit
|
0.00 | 2,429.00 | 2,057.00 | 730.00 | 300.00 |
Liabilities ($ Mln)
| SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | Synchrony Financial (SYF) | Ally Financial (ALLY) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
11,295.14 | 35,797.00 | 109,656.00 | 16,550.00 | 14,970.00 |
|
Minority Interest
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Non-Current Liabilities
|
5,146.62 | 273,063.00 | 81,120.00 | 105,919.00 | 21,474.00 |
|
Current Liabilities
|
51,325.02 | 1,415.00 | 482,091.00 | 0.00 | 166,841.00 |
|
Total Liabilities
|
50,660.48 | 300,052.00 | 669,009.00 | 119,095.00 | 196,002.00 |
Assets ($ Mln)
| SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | Synchrony Financial (SYF) | Ally Financial (ALLY) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
25,160.35 | 39,888.00 | 529,598.00 | 106,568.00 | 167,789.00 |
|
Current Assets
|
42,606.43 | 270,387.00 | 143,269.00 | 15,901.00 | 35,496.00 |
|
Total Assets
|
50,660.48 | 300,052.00 | 669,009.00 | 119,095.00 | 196,002.00 |
|
Total Debt*
|
3,978.94 | 59,953.00 | 49,774.00 | 17,025.00 | 25,030.00 |
|
Net Current Assets
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cashflow ($ Mln)
| SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | Synchrony Financial (SYF) | Ally Financial (ALLY) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
-3,742.46 | 18,428.00 | 27,718.00 | 9,851.00 | 3,628.00 |
|
Cash Flow from Investing Activities
|
-6,719.11 | -22,891.00 | -444.00 | -4,854.00 | -5,163.00 |
|
Cash from Financing Activities
|
13,109.33 | 11,210.00 | -8,852.00 | -4,735.00 | 1,956.00 |
|
Net Cash Inflow / Outflow
|
-- | -- | -- | -- | -- |
Ratios
Profitability Ratios
| SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | Synchrony Financial (SYF) | Ally Financial (ALLY) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
4.35 | 12.55 | 1.81 | 11.10 | 2.42 |
|
ROE (%)
|
6.68 | 35.12 | 9.79 | 20.18 | 9.74 |
|
ROA (%)
|
0.91 | 2.63 | 1.41 | 2.43 | 0.65 |
|
EBIT Margin (%)
|
9.64 | 22.25 | 15.34 | 16.83 | 8.25 |
|
Net Margin (%)
|
12.07 | 14.33 | 13.73 | 17.61 | 9.28 |
|
Cash Profit Margin (%)
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Growth Ratios
| SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | Synchrony Financial (SYF) | Ally Financial (ALLY) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
37.62 | 8.72 | 24.75 | -1.80 | 4.91 |
|
EBIT Growth (%)
|
47.13 | 41.34 | 639.91 | -31.39 | 57.50 |
|
Net Profit Growth (%)
|
15.25 | 16.26 | 667.99 | -6.77 | 135.23 |
|
EPS Growth (%)
|
0.80 | 19.40 | 475.47 | 5.89 | 137.49 |
|
Book Value Growth (%)
|
22.32 | 13.54 | 1.09 | 14.13 | 0.86 |
Valuation Ratios
| SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | Synchrony Financial (SYF) | Ally Financial (ALLY) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
73.22 | 23.50 | 62.40 | 8.41 | 16.71 |
|
Price / Book Value
|
3.36 | 7.60 | 1.35 | 1.78 | 0.92 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
39.23 | 16.94 | 18.88 | 5.40 | 2.74 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | Synchrony Financial (SYF) | Ally Financial (ALLY) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
0.00 | 0.00 | 0.00 | 1.03 | 0.00 |
|
Short term debt to equity ratio
|
0.00 | 0.04 | 0.01 | 0.00 | 0.42 |
|
Current Ratio
|
0.83 | 191.09 | 0.30 | 0.21 | 0.21 |
|
Quick Ratio
|
0.83 | 191.09 | 0.30 | -- | 0.21 |
|
Interest Coverage
|
1.66 | 2.96 | 1.81 | 2.12 | 1.31 |
Operating Efficiency Ratios
| SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | Synchrony Financial (SYF) | Ally Financial (ALLY) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
0.00 | 265.72 | 4.46 | 0.00 | 899.26 |
|
Asset Turnover
|
0.08 | 0.18 | 0.10 | 0.14 | 0.07 |
|
Receivable days
|
56.71 | 274.84 | 15.89 | 1,792.09 | 2,074.31 |
|
Inventory Days
|
-- | -- | -- | -- | -- |
|
Payable days
|
34.26 | 386.96 | 7.56 | -- | 4,789.18 |
|
Cash Conversion Cycle
|
-- | -- | -- | -- | -- |
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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