American Express (AXP) vs SoFi Technologies (SOFI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
American Express (AXP) has outperformed SoFi Technologies (SOFI) over the past year, losing 7.2% versus a loss of 44.3%. Over five years, AXP leads with a +73.1% price change compared with -19.2% for SOFI. American Express is the larger company by market cap ($205.46 billion vs $20.23 billion), about 10.2 times the size, while SoFi Technologies is growing revenue faster (+23.1% vs +6.4%).
On valuation, American Express trades at a lower forward P/E (15.1x vs 19.0x for SoFi Technologies). American Express pays a dividend yielding 1.16%, while SoFi Technologies does not currently pay one. SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% versus 26.2%.
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 | AXP | SOFI |
|---|---|---|
| Share price | $304.25 | $15.66 |
| Market cap | $205.46B | $20.23B |
| 1-day change | -0.10% | -0.63% |
| YTD return | -17.76% | -40.18% |
| 1-year return | -7.23% | -44.35% |
| 5-year return | +73.06% | -19.20% |
| P/E ratio (TTM) | 18.46 | 31.96 |
| Forward P/E | 15.09 | 19.03 |
| EPS (TTM) | $16.48 | $0.49 |
| Dividend yield | 1.16% | 0.00% |
| Annual dividend | $3.54 | $0.00 |
| Revenue (latest FY) | $41.30B | $619.35M |
| Revenue growth (YoY) | +6.39% | +23.10% |
| Net income (latest FY) | $10.83B | $481.32M |
| Gross margin | — | 1.67% |
| Net margin | 26.23% | 77.71% |
| 52-week high | $387.49 | $32.73 |
| 52-week low | $290.97 | $14.88 |
| Distance from 52-week high | -21.48% | -52.15% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +22.06% | +29.82% |
| Average volume | 2.90M | 57.13M |
| Shares outstanding | 675.31M | 1.29B |
| Employees | 76,800 | 6,100 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer 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
- American Express is about 10.2 times larger than SoFi Technologies by market value ($205.46B vs $20.23B).
- AXP has outperformed SOFI by 37.1 percentage points over the past year.
- SoFi Technologies trades at a higher earnings multiple (32.0x vs 18.5x trailing P/E).
- American Express offers a meaningfully higher dividend yield (1.16% vs 0.00%).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 26.2 cents for American Express.
- SoFi Technologies grew revenue faster in its latest fiscal year (+23.10% vs +6.39%).
About American Express
AXP stock →American Express Company, together with its subsidiaries, operates as an integrated payments company in the United States, Europe, the Middle East and Africa, the Asia Pacific, Australia, New Zealand, Latin America, Canada, the Caribbean, and internationally. It operates through four segments: U.S.
Finance · Finance: Consumer Services · 76,800 employees
About SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
AXP vs SOFI FAQ
Which is bigger, American Express or SoFi Technologies?
American Express (AXP) is larger, with a market capitalization of $205.46B compared with $20.23B for SoFi Technologies (SOFI).
Which stock has performed better over the past year, AXP or SOFI?
AXP returned -7.23% over the past 12 months, compared with -44.35% for SOFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AXP or SOFI?
AXP has the lower trailing P/E at 18.5, 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.
Which pays a higher dividend, American Express or SoFi Technologies?
American Express pays a dividend yielding 1.16%, while SoFi Technologies does not currently pay a regular dividend.
Are American Express and SoFi Technologies in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.