PAYP vs. SOFI: PayPay vs. SoFi Stock Comparison

Company Profile

PayPay (PAYP) and SoFi (SOFI) both fall under the Financial Services industry group, but PAYP is classified in Financial Services while SOFI is classified in Consumer Finance.

SoFi (SOFI) has traded publicly since January 4, 2021, giving it several years of listed trading history, while PayPay (PAYP) only listed on March 12, 2026 and has a limited public-market record.

SoFi (SOFI) trades as ordinary local shares, while PayPay (PAYP) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

SoFi (SOFI) has a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, while PayPay (PAYP) is defensive at 0.24 and tends to be less market-sensitive — a wide gap in beta profiles.

SoFi (SOFI) is heavily traded at around 48.09M shares per day, whereas PayPay (PAYP) sees a more moderate 659.95K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Both PAYP and SOFI need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Both PayPay (PAYP) at 18.80% and SoFi (SOFI) at 7.35% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both PayPay (PAYP) at 15.85% and SoFi (SOFI) at 15.75% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Both PayPay (PAYP) at 32.79% and SoFi (SOFI) at 23.19% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while PayPay (PAYP) at 25.85% is closer to the peer norm — faster top-line expansion for SOFI.

PayPay (PAYP) at 230.06% clears its industry range for EPS growth, a much stronger earnings trajectory than SoFi (SOFI) at 0.00%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: PayPay (PAYP) in Financial Services and SoFi (SOFI) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: PayPay (PAYP) in Financial Services and SoFi (SOFI) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Neither PayPay (PAYP) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Neither PayPay (PAYP) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Dividend Metrics

Valuation

PayPay (PAYP) at 23.30 is near its industry’s usual P/E ratio, while SoFi (SOFI) at 29.47 sits in the richer quartile — SOFI needs stronger growth or earnings quality to justify the premium.

PayPay (PAYP) at 0.02 sits in the cheaper P/S ratio quartile while SoFi (SOFI) at 4.49 prices around its industry’s middle — PAYP costs less per dollar of sales, though read it alongside growth and margins.

SoFi (SOFI) at 1.86 is valued about in line with its industry on P/B ratio, while PayPay (PAYP) at 3.75 carries an above-peer premium to book — PAYP is pricier on assets.

Valuation Metrics