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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 $809.5B against $20.8B — 38.9× the size. SoFi Technologies, Inc. trades at the lower P/E: 27.8× against 32.7×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 37.6% against 14.8%. Visa Inc. has the higher net margin (51.2% vs 12.1%) and the higher return on invested capital (40.4% vs 4.90%). 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 27.83 32.72 8.96
P/S 3.41 16.55 1.00
P/B 1.85 21.33 1.23
Price to free cash flow n/m 34.44 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.59% 3.06% 7.17%
Free cash flow yield (50.36%) 2.90% 11.75%

Profitability

Metric SOFI V Credit Services median
Gross margin 77.36% 100.00% 76.61%
Operating margin 0.00% 61.24% 0.34%
Net margin 12.06% 51.20% 8.35%
Free cash flow margin (166.99%) 48.05% 8.73%
Return on equity 7.35% 64.60% 9.05%
Return on assets 1.30% 24.23% 1.94%
Return on invested capital 4.90% 40.41% 4.56%

Growth

Metric SOFI V Credit Services median
Revenue growth (TTM) 37.62% 14.76% 4.49%
EPS growth (last fiscal year) 0.00% 14.07% 21.94%
Revenue growth, 5-year CAGR 44.73% 13.75% 9.22%
Net income growth, 5-year CAGR 0.00% 13.81% 0.00%

Health

Metric SOFI V Credit Services median
Debt to equity 0.34 0.61 0.69
Current ratio 0.00 0.97 1.26
Net debt to EBITDA 0.00 0.25 0.11

Dividend

Metric SOFI V Credit Services median
Dividend yield — 0.63% 1.64%
Payout ratio — 0.22 0.21

Size

Metric SOFI V Credit Services median
Market cap 20.80b 809.54b 759.73m

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