SoFi Technologies (SOFI) vs Visa (V)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Visa (V) has outperformed SoFi Technologies (SOFI) over the past year, gaining 5.6% versus a loss of 44.3%. Over five years, V leads with a +61.1% price change compared with -19.2% for SOFI. Visa is the larger company by market cap ($698.56 billion vs $20.23 billion), about 34.5 times the size, while SoFi Technologies is growing revenue faster (+23.1% vs +11.3%).
On valuation, SoFi Technologies trades at a lower forward P/E (19.0x vs 24.8x for Visa). Visa pays a dividend yielding 0.72%, 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 50.1%.
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 | V |
|---|---|---|
| Share price | $15.66 | $372.10 |
| Market cap | $20.23B | $698.56B |
| 1-day change | -0.63% | +0.39% |
| YTD return | -40.18% | +6.10% |
| 1-year return | -44.35% | +5.58% |
| 5-year return | -19.20% | +61.09% |
| P/E ratio (TTM) | 31.96 | 31.67 |
| Forward P/E | 19.03 | 24.80 |
| EPS (TTM) | $0.49 | $11.75 |
| Dividend yield | 0.00% | 0.72% |
| Annual dividend | $0.00 | $2.68 |
| Revenue (latest FY) | $619.35M | $40.00B |
| Revenue growth (YoY) | +23.10% | +11.34% |
| Net income (latest FY) | $481.32M | $20.06B |
| Gross margin | 1.67% | — |
| Operating margin | — | 59.98% |
| Net margin | 77.71% | 50.14% |
| 52-week high | $32.73 | $385.57 |
| 52-week low | $14.88 | $293.89 |
| Distance from 52-week high | -52.15% | -3.49% |
| Analyst consensus | hold | strong_buy |
| Avg. price target upside | +29.82% | +12.70% |
| Average volume | 57.13M | 6.56M |
| Shares outstanding | 1.29B | 1.70B |
| Employees | 6,100 | 34,100 |
| Sector | Finance | Consumer Discretionary |
| Industry | Finance: Consumer Services | Business 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
- Visa is about 34.5 times larger than SoFi Technologies by market value ($698.56B vs $20.23B).
- V has outperformed SOFI by 49.9 percentage points over the past year.
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 50.1 cents for Visa.
- SoFi Technologies grew revenue faster in its latest fiscal year (+23.10% vs +11.34%).
- The two companies sit in different sectors: SoFi Technologies in Finance and Visa in Consumer Discretionary.
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 Visa
V stock →Visa Inc. operates as a payment technology company in the United States and internationally.
Consumer Discretionary · Business Services · 34,100 employees
SOFI vs V FAQ
Which is bigger, SoFi Technologies or Visa?
Visa (V) is larger, with a market capitalization of $698.56B compared with $20.23B for SoFi Technologies (SOFI).
Which stock has performed better over the past year, SOFI or V?
V returned +5.58% 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 V?
V has the lower trailing P/E at 31.7, 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, SoFi Technologies or Visa?
Visa pays a dividend yielding 0.72%, while SoFi Technologies does not currently pay a regular dividend.
Are SoFi Technologies and Visa in the same industry?
No. SoFi Technologies is in the Finance sector, while Visa is in Consumer Discretionary.