SoFi Technologies (SOFI) vs TransUnion (TRU)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
TransUnion (TRU) has outperformed SoFi Technologies (SOFI) over the past year, losing 17.7% versus a loss of 44.3%. Over five years, SOFI leads with a -19.2% price change compared with -45.7% for TRU. SoFi Technologies is the larger company by market cap ($19.83 billion vs $12.30 billion), about 1.6 times the size.
On valuation, TransUnion trades at a lower forward P/E (11.6x vs 18.6x for SoFi Technologies). TransUnion pays a dividend yielding 0.37%, 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 10.0%.
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 | SOFI | TRU |
|---|---|---|
| Share price | $15.35 | $64.18 |
| Market cap | $19.83B | $12.30B |
| 1-day change | -1.98% | +2.16% |
| YTD return | -40.18% | -26.74% |
| 1-year return | -44.35% | -17.72% |
| 5-year return | -19.20% | -45.74% |
| P/E ratio (TTM) | 31.33 | 16.93 |
| Forward P/E | 18.62 | 11.57 |
| EPS (TTM) | $0.49 | $3.79 |
| Dividend yield | 0.00% | 0.37% |
| Annual dividend | $0.00 | $0.24 |
| Revenue (latest FY) | $619.35M | $4.58B |
| Revenue growth (YoY) | +23.10% | +9.38% |
| Net income (latest FY) | $481.32M | $455.40M |
| Gross margin | 1.67% | — |
| Operating margin | — | 18.74% |
| Net margin | 77.71% | 9.95% |
| 52-week high | $32.73 | $89.12 |
| 52-week low | $14.88 | $60.96 |
| Distance from 52-week high | -53.10% | -27.99% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +32.44% | +45.66% |
| Average volume | 56.74M | 2.33M |
| Shares outstanding | 1.29B | 191.60M |
| Employees | 6,100 | 13,000 |
| 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
- TRU has outperformed SOFI by 26.6 percentage points over the past year.
- SoFi Technologies trades at a higher earnings multiple (31.3x vs 16.9x trailing P/E).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 10.0 cents for TransUnion.
- SoFi Technologies grew revenue faster in its latest fiscal year (+23.10% vs +9.38%).
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
About TransUnion
TRU stock →TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S.
Finance · Finance: Consumer Services · 13,000 employees
SOFI vs TRU FAQ
Which is bigger, SoFi Technologies or TransUnion?
SoFi Technologies (SOFI) is larger, with a market capitalization of $19.83B compared with $12.30B for TransUnion (TRU).
Which stock has performed better over the past year, SOFI or TRU?
TRU returned -17.72% 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, SOFI or TRU?
TRU has the lower trailing P/E at 16.9, versus 31.3 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, SoFi Technologies or TransUnion?
TransUnion pays a dividend yielding 0.37%, while SoFi Technologies does not currently pay a regular dividend.
Are SoFi Technologies and TransUnion in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.