Equifax (EFX) 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
Equifax (EFX) has outperformed SoFi Technologies (SOFI) over the past year, losing 40.2% versus a loss of 44.3%. Over five years, SOFI leads with a -19.2% price change compared with -46.0% for EFX. SoFi Technologies is the larger company by market cap ($20.16 billion vs $17.10 billion), about 1.2 times the size.
On valuation, Equifax trades at a lower forward P/E (14.4x vs 18.9x for SoFi Technologies). Equifax pays a dividend yielding 1.46%, 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 10.9%.
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 | EFX | SOFI |
|---|---|---|
| Share price | $145.54 | $15.61 |
| Market cap | $17.10B | $20.16B |
| 1-day change | +2.18% | -0.32% |
| YTD return | -34.36% | -40.18% |
| 1-year return | -40.15% | -44.35% |
| 5-year return | -46.04% | -19.20% |
| P/E ratio (TTM) | 25.62 | 31.86 |
| Forward P/E | 14.38 | 18.93 |
| EPS (TTM) | $5.68 | $0.49 |
| Dividend yield | 1.46% | 0.00% |
| Annual dividend | $2.12 | $0.00 |
| Revenue (latest FY) | $6.07B | $619.35M |
| Revenue growth (YoY) | +6.92% | +23.10% |
| Net income (latest FY) | $660.30M | $481.32M |
| Gross margin | 56.45% | 1.67% |
| Operating margin | 18.03% | — |
| Net margin | 10.87% | 77.71% |
| 52-week high | $238.94 | $32.73 |
| 52-week low | $137.01 | $14.88 |
| Distance from 52-week high | -39.09% | -52.31% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +40.10% | +30.24% |
| Average volume | 1.60M | 56.74M |
| Shares outstanding | 117.48M | 1.29B |
| Employees | 15,000 | 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
- Equifax offers a meaningfully higher dividend yield (1.46% vs 0.00%).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 10.9 cents for Equifax.
- SoFi Technologies grew revenue faster in its latest fiscal year (+23.10% vs +6.92%).
About Equifax
EFX stock →Equifax Inc. operates as a data, analytics, and technology company.
Finance · Finance: Consumer Services · 15,000 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
EFX vs SOFI FAQ
Which is bigger, Equifax or SoFi Technologies?
SoFi Technologies (SOFI) is larger, with a market capitalization of $20.16B compared with $17.10B for Equifax (EFX).
Which stock has performed better over the past year, EFX or SOFI?
EFX returned -40.15% 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, EFX or SOFI?
EFX has the lower trailing P/E at 25.6, versus 31.9 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, Equifax or SoFi Technologies?
Equifax pays a dividend yielding 1.46%, while SoFi Technologies does not currently pay a regular dividend.
Are Equifax and SoFi Technologies in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.