Affirm (AFRM) vs SoFi Technologies (SOFI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Affirm (AFRM) has outperformed SoFi Technologies (SOFI) over the past year, losing 1.8% versus a loss of 44.4%. Over five years, SOFI leads with a -19.3% price change compared with -48.7% for AFRM. Affirm is the larger company by market cap ($25.41 billion vs $20.23 billion), about 1.3 times the size.
On valuation, Affirm trades at a lower forward P/E (15.6x vs 19.0x for SoFi Technologies). SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% versus 45.3%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AFRM | SOFI |
|---|---|---|
| Share price | $75.31 | $15.66 |
| Market cap | $25.41B | $20.23B |
| 1-day change | +0.57% | -0.63% |
| YTD return | +1.14% | -40.24% |
| 1-year return | -1.79% | -44.40% |
| 5-year return | -48.69% | -19.27% |
| P/E ratio (TTM) | 13.62 | 31.96 |
| Forward P/E | 15.60 | 19.03 |
| EPS (TTM) | $5.53 | $0.49 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $4.26B | $619.35M |
| Revenue growth (YoY) | +32.15% | +23.10% |
| Net income (latest FY) | $1.93B | $481.32M |
| Gross margin | — | 1.67% |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | 77.71% |
| 52-week high | $90.44 | $32.73 |
| 52-week low | $42.10 | $14.88 |
| Distance from 52-week high | -16.73% | -52.15% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +31.01% | +29.82% |
| Average volume | 4.22M | 57.64M |
| Shares outstanding | 296.88M | 1.29B |
| Employees | 2,358 | 6,100 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- AFRM has outperformed SOFI by 42.6 percentage points over the past year.
- SoFi Technologies trades at a higher earnings multiple (32.0x vs 13.6x trailing P/E).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 45.3 cents for Affirm.
- Affirm grew revenue faster in its latest fiscal year (+32.15% vs +23.10%).
About Affirm
AFRM stock →Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally.
Financial Services · Credit Services · 2,358 employees
About SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Financial Services · Credit Services · 6,100 employees
AFRM vs SOFI FAQ
Which is bigger, Affirm or SoFi Technologies?
Affirm (AFRM) is larger, with a market capitalization of $25.41B compared with $20.23B for SoFi Technologies (SOFI).
Which stock has performed better over the past year, AFRM or SOFI?
AFRM returned -1.79% over the past 12 months, compared with -44.40% for SOFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or SOFI?
AFRM has the lower trailing P/E at 13.6, versus 32.0 for SOFI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Affirm and SoFi Technologies in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.