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Mastercard Incorporated (MA) vs SoFi Technologies, Inc. (SOFI)

Mastercard Incorporated and SoFi Technologies, Inc. are both Credit Services companies. Mastercard Incorporated is the larger, with a market value of $571.4B against $20.8B — 27.5× the size. SoFi Technologies, Inc. trades at the lower P/E: 27.8× against 34.2×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 37.6% against 15.3%. Mastercard Incorporated has the higher net margin (46.7% vs 12.1%) and the higher return on invested capital (67.6% vs 4.90%). Across the 19 metrics below, Mastercard Incorporated leads on 11 and SoFi Technologies, Inc. on 8.

Valuation

Metric MA SOFI Credit Services median
P/E 34.24 27.83 8.96
P/S 15.81 3.41 1.00
P/B 85.13 1.85 1.23
Price to free cash flow 37.19 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.92% 3.59% 7.17%
Free cash flow yield 2.69% (50.36%) 11.75%

Profitability

Metric MA SOFI Credit Services median
Gross margin 100.00% 77.36% 76.61%
Operating margin 58.60% 0.00% 0.34%
Net margin 46.73% 12.06% 8.35%
Free cash flow margin 42.52% (166.99%) 8.73%
Return on equity 231.37% 7.35% 9.05%
Return on assets 30.43% 1.30% 1.94%
Return on invested capital 67.64% 4.90% 4.56%

Growth

Metric MA SOFI Credit Services median
Revenue growth (TTM) 15.30% 37.62% 4.49%
EPS growth (last fiscal year) 18.93% 0.00% 21.94%
Revenue growth, 5-year CAGR 16.47% 44.73% 9.22%
Net income growth, 5-year CAGR 18.48% 0.00% 0.00%

Health

Metric MA SOFI Credit Services median
Debt to equity 3.55 0.34 0.69
Current ratio 1.01 0.00 1.26
Net debt to EBITDA 0.34 0.00 0.11

Dividend

Metric MA SOFI Credit Services median
Dividend yield 0.53% — 1.64%
Payout ratio 0.18 — 0.21

Size

Metric MA SOFI Credit Services median
Market cap 571.42b 20.80b 759.73m

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