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MA vs. SOFI: A Head-to-Head Stock Comparison

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Here’s a clear look at MA and SOFI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolMASOFI
Company NameMastercard IncorporatedSoFi Technologies, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesConsumer Finance
Market Capitalization536.27 billion USD31.31 billion USD
ExchangeNYSENasdaqGS
Listing DateMay 25, 2006January 4, 2021
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MA and SOFI by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

MA vs. SOFI: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolMASOFI
5-Day Price Return1.32%14.95%
13-Week Price Return4.05%98.26%
26-Week Price Return4.35%61.62%
52-Week Price Return26.53%263.70%
Month-to-Date Return4.72%15.81%
Year-to-Date Return12.66%69.81%
10-Day Avg. Volume2.36M68.32M
3-Month Avg. Volume2.68M69.83M
3-Month Volatility21.33%47.26%
Beta0.991.97

Profitability

Return on Equity (TTM)

MA

191.02%

Financial Services Industry

Max
40.58%
Q3
20.06%
Median
10.67%
Q1
4.19%
Min
-10.31%

MA’s Return on Equity of 191.02% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

SOFI

8.58%

Consumer Finance Industry

Max
32.87%
Q3
20.39%
Median
14.14%
Q1
7.64%
Min
-10.63%

SOFI’s Return on Equity of 8.58% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

MA vs. SOFI: A comparison of their Return on Equity (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

MA

44.93%

Financial Services Industry

Max
52.86%
Q3
25.58%
Median
12.23%
Q1
6.64%
Min
-9.92%

A Net Profit Margin of 44.93% places MA in the upper quartile for the Financial Services industry, signifying strong profitability and more effective cost management than most of its peers.

SOFI

-19.79%

Consumer Finance Industry

Max
19.68%
Q3
15.94%
Median
13.37%
Q1
9.73%
Min
3.66%

SOFI has a negative Net Profit Margin of -19.79%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

MA vs. SOFI: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

MA

55.78%

Financial Services Industry

Max
77.28%
Q3
37.68%
Median
18.17%
Q1
9.27%
Min
-8.19%

An Operating Profit Margin of 55.78% places MA in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

SOFI

-19.92%

Consumer Finance Industry

Max
50.11%
Q3
29.38%
Median
18.31%
Q1
14.26%
Min
-5.45%

SOFI has a negative Operating Profit Margin of -19.92%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

MA vs. SOFI: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Profitability at a Glance

SymbolMASOFI
Return on Equity (TTM)191.02%8.58%
Return on Assets (TTM)27.84%1.50%
Net Profit Margin (TTM)44.93%-19.79%
Operating Profit Margin (TTM)55.78%-19.92%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

MA

1.16

Financial Services Industry

Max
4.58
Q3
2.59
Median
1.33
Q1
0.69
Min
0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SOFI

--

Consumer Finance Industry

Max
5.34
Q3
4.21
Median
2.67
Q1
0.71
Min
0.20

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MA vs. SOFI: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

MA

2.42

Financial Services Industry

Max
4.96
Q3
2.10
Median
0.57
Q1
0.12
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

SOFI

0.57

Consumer Finance Industry

Max
6.63
Q3
3.39
Median
2.21
Q1
0.94
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

MA vs. SOFI: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

MA

37.93

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

SOFI

--

Consumer Finance Industry

Max
49.63
Q3
39.33
Median
4.56
Q1
2.97
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

MA vs. SOFI: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Financial Strength at a Glance

SymbolMASOFI
Current Ratio (MRQ)1.16--
Quick Ratio (MRQ)1.16--
Debt-to-Equity Ratio (MRQ)2.420.57
Interest Coverage Ratio (TTM)37.93--

Growth

Revenue Growth

MA vs. SOFI: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

MA vs. SOFI: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

MA

0.49%

Financial Services Industry

Max
8.18%
Q3
3.60%
Median
1.56%
Q1
0.00%
Min
0.00%

MA’s Dividend Yield of 0.49% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

SOFI

0.00%

Consumer Finance Industry

Max
8.31%
Q3
3.93%
Median
2.51%
Q1
0.84%
Min
0.00%

SOFI currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

MA vs. SOFI: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

MA

19.15%

Financial Services Industry

Max
155.56%
Q3
63.71%
Median
18.08%
Q1
0.00%
Min
0.00%

MA’s Dividend Payout Ratio of 19.15% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

SOFI

0.00%

Consumer Finance Industry

Max
145.89%
Q3
88.53%
Median
23.79%
Q1
0.00%
Min
0.00%

SOFI has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

MA vs. SOFI: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Dividend at a Glance

SymbolMASOFI
Dividend Yield (TTM)0.49%0.00%
Dividend Payout Ratio (TTM)19.15%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

MA

39.22

Financial Services Industry

Max
63.23
Q3
32.10
Median
14.41
Q1
10.81
Min
0.37

A P/E Ratio of 39.22 places MA in the upper quartile for the Financial Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

SOFI

47.53

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

At 47.53, SOFI’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Consumer Finance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

MA vs. SOFI: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

MA

17.62

Financial Services Industry

Max
11.16
Q3
5.45
Median
2.61
Q1
1.25
Min
0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

SOFI

3.35

Consumer Finance Industry

Max
4.28
Q3
2.67
Median
1.88
Q1
1.15
Min
0.55

SOFI’s P/S Ratio of 3.35 is in the upper echelon for the Consumer Finance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

MA vs. SOFI: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

MA

64.98

Financial Services Industry

Max
7.09
Q3
3.79
Median
1.46
Q1
0.83
Min
0.04

At 64.98, MA’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

SOFI

2.93

Consumer Finance Industry

Max
3.63
Q3
2.40
Median
1.96
Q1
1.16
Min
0.26

SOFI’s P/B Ratio of 2.93 is in the upper tier for the Consumer Finance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

MA vs. SOFI: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Consumer Finance industry benchmarks.

Valuation at a Glance

SymbolMASOFI
Price-to-Earnings Ratio (TTM)39.2247.53
Price-to-Sales Ratio (TTM)17.623.35
Price-to-Book Ratio (MRQ)64.982.93
Price-to-Free Cash Flow Ratio (TTM)33.5837.91