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Capital One Financial Corporation (COF) vs SoFi Technologies, Inc. (SOFI)

Capital One Financial Corporation and SoFi Technologies, Inc. are both Credit Services companies. Capital One Financial Corporation is the larger, with a market value of $122.0B against $19.5B — 6.3× the size. Capital One Financial Corporation trades at the lower P/E: 12.5× against 28.5×. Capital One Financial Corporation grew revenue faster over the last twelve months: 37.3% against 34.1%. Capital One Financial Corporation has the higher net margin (13.0% vs 11.4%) and the higher return on invested capital (7.92% vs 4.26%). Across the 17 metrics below, Capital One Financial Corporation leads on 13 and SoFi Technologies, Inc. on 4.

Valuation

Metric COF SOFI Credit Services median
P/E 12.48 28.53 9.39
P/S 1.59 3.35 0.86
P/B 1.10 1.69 1.16
Price to free cash flow 4.21 n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.01% 3.51% 6.55%
Free cash flow yield 23.73% (47.09%) 12.26%

Profitability

Metric COF SOFI Credit Services median
Gross margin 78.81% 77.13% 77.13%
Operating margin 0.00% 0.00% 0.34%
Net margin 12.98% 11.39% 9.25%
Free cash flow margin 37.74% (157.63%) 12.91%
Return on equity 9.09% 7.09% 8.49%
Return on assets 1.53% 1.25% 2.16%
Return on invested capital 7.92% 4.26% 4.09%

Growth

Metric COF SOFI Credit Services median
Revenue growth (TTM) 37.26% 34.08% 4.62%
EPS growth (last fiscal year) (65.23%) 0.00% 21.94%
Revenue growth, 5-year CAGR 16.96% 44.73% 9.13%
Net income growth, 5-year CAGR (1.69%) 0.00% 0.00%

Health

Metric COF SOFI Credit Services median
Debt to equity 0.39 0.30 0.68
Current ratio 1.02 0.74 1.55
Net debt to EBITDA 0.00 0.00 0.13

Dividend

Metric COF SOFI Credit Services median
Dividend yield 1.59% — 1.64%
Payout ratio 0.20 — 0.22

Size

Metric COF SOFI Credit Services median
Market cap 122.00b 19.49b 751.08m

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