Pricing Log in Create free account

SoFi Technologies, Inc. (SOFI) vs Visa Inc. (V)

SoFi Technologies, Inc. and Visa Inc. are both Credit Services companies. Visa Inc. is the larger, with a market value of $746.4B against $19.5B — 38.3× the size. SoFi Technologies, Inc. trades at the lower P/E: 28.5× against 33.0×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 34.1% against 14.4%. Visa Inc. has the higher net margin (50.8% vs 11.4%) and the higher return on invested capital (38.0% vs 4.26%). Across the 19 metrics below, Visa Inc. leads on 11 and SoFi Technologies, Inc. on 8.

Valuation

Metric SOFI V Credit Services median
P/E 28.53 32.97 9.39
P/S 3.35 16.12 0.86
P/B 1.69 20.69 1.16
Price to free cash flow n/m 34.12 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.51% 3.03% 6.55%
Free cash flow yield (47.09%) 2.93% 12.26%

Profitability

Metric SOFI V Credit Services median
Gross margin 77.13% 100.00% 77.13%
Operating margin 0.00% 60.68% 0.34%
Net margin 11.39% 50.78% 9.25%
Free cash flow margin (157.63%) 47.23% 12.91%
Return on equity 7.09% 62.36% 8.49%
Return on assets 1.25% 23.22% 2.16%
Return on invested capital 4.26% 38.04% 4.09%

Growth

Metric SOFI V Credit Services median
Revenue growth (TTM) 34.08% 14.39% 4.62%
EPS growth (last fiscal year) 0.00% 4.83% 21.94%
Revenue growth, 5-year CAGR 44.73% 12.86% 9.13%
Net income growth, 5-year CAGR 0.00% 13.04% 0.00%

Health

Metric SOFI V Credit Services median
Debt to equity 0.30 0.68 0.68
Current ratio 0.74 0.99 1.55
Net debt to EBITDA 0.00 0.13 0.13

Dividend

Metric SOFI V Credit Services median
Dividend yield — 0.67% 1.64%
Payout ratio — 0.23 0.22

Size

Metric SOFI V Credit Services median
Market cap 19.49b 746.35b 751.08m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack