Moody's (MCO) 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
Moody's (MCO) has outperformed SoFi Technologies (SOFI) over the past year, losing 7.9% versus a loss of 44.3%. Over five years, MCO leads with a +21.1% price change compared with -19.2% for SOFI. Moody's is the larger company by market cap ($78.21 billion vs $19.74 billion), about 4.0 times the size, while SoFi Technologies is growing revenue faster (+23.1% vs +8.9%).
On valuation, SoFi Technologies trades at a lower forward P/E (18.6x vs 23.9x for Moody's). Moody's pays a dividend yielding 0.87%, 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 31.9%.
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 | MCO | SOFI |
|---|---|---|
| Share price | $451.60 | $15.28 |
| Market cap | $78.21B | $19.74B |
| 1-day change | +0.44% | -2.40% |
| YTD return | -11.98% | -40.18% |
| 1-year return | -7.94% | -44.35% |
| 5-year return | +21.14% | -19.20% |
| P/E ratio (TTM) | 28.65 | 31.19 |
| Forward P/E | 23.86 | 18.57 |
| EPS (TTM) | $15.76 | $0.49 |
| Dividend yield | 0.87% | 0.00% |
| Annual dividend | $3.94 | $0.00 |
| Revenue (latest FY) | $7.72B | $619.35M |
| Revenue growth (YoY) | +8.89% | +23.10% |
| Net income (latest FY) | $2.46B | $481.32M |
| Gross margin | 74.44% | 1.67% |
| Operating margin | 43.42% | — |
| Net margin | 31.86% | 77.71% |
| 52-week high | $546.88 | $32.73 |
| 52-week low | $402.28 | $14.88 |
| Distance from 52-week high | -17.42% | -53.30% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +23.98% | +33.01% |
| Average volume | 792.75K | 56.74M |
| Shares outstanding | 173.18M | 1.29B |
| Employees | 16,000 | 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
- Moody's is about 4.0 times larger than SoFi Technologies by market value ($78.21B vs $19.74B).
- MCO has outperformed SOFI by 36.4 percentage points over the past year.
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 31.9 cents for Moody's.
- SoFi Technologies grew revenue faster in its latest fiscal year (+23.10% vs +8.89%).
About Moody's
MCO stock →Moody's Corporation, together with its subsidiaries, operates as an integrated risk assessment firm in the United States, the rest of the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Moody's Analytics (MA) and Moody's Investors Service (MIS).
Finance · Finance: Consumer Services · 16,000 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
MCO vs SOFI FAQ
Which is bigger, Moody's or SoFi Technologies?
Moody's (MCO) is larger, with a market capitalization of $78.21B compared with $19.74B for SoFi Technologies (SOFI).
Which stock has performed better over the past year, MCO or SOFI?
MCO returned -7.94% 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, MCO or SOFI?
MCO has the lower trailing P/E at 28.7, versus 31.2 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, Moody's or SoFi Technologies?
Moody's pays a dividend yielding 0.87%, while SoFi Technologies does not currently pay a regular dividend.
Are Moody's and SoFi Technologies in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.