PYPL vs. SOFI: PayPal vs. SoFi Stock Comparison

November 11, 2026

How do PayPal (PYPL) and SoFi (SOFI) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

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

Company profile comparison for PayPal (PYPL) and SoFi (SOFI)
Profile Item	PYPL	SOFI
Name	PayPal Holdings, Inc.	SoFi Technologies, Inc.
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Financial Services	Consumer Finance
GICS Sub-Industry	Transaction & Payment Processing Services	Consumer Finance
Market Capitalization	49.21 billion USD	21.04 billion USD
Currency	USD	USD
Exchange	Nasdaq	Nasdaq
Listing Date	July 6, 2015	January 4, 2021
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

PYPL

SOFI

GSPC

PayPal (PYPL) vs. SoFi (SOFI), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…

Trailing total returns for PayPal (PYPL) and SoFi (SOFI). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…

Calendar-year total returns for PayPal (PYPL) and SoFi (SOFI). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for PayPal (PYPL) and SoFi (SOFI)
Metric	PYPL	SOFI
Total Return (1Y)	-7.44%	-40.42%
Total Return (3Y, Annualized)	4.14%	34.88%
Total Return (5Y, Annualized)	-21.48%	-5.36%

Risk Profile

Drawdown History

PYPL

SOFI

GSPC

PayPal (PYPL) vs. SoFi (SOFI), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…

Distribution of monthly total returns for PayPal (PYPL) and SoFi (SOFI). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

SoFi (SOFI) carries a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, whereas PayPal (PYPL) is closer to market-like at 1.28 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for PayPal (PYPL) and SoFi (SOFI)
Metric	PYPL	SOFI
Volatility (1Y, Annualized)	42.40%	55.56%
Beta (5Y)	1.28	2.22
Max Drawdown (5Y)	-81.84%	-81.28%
Avg. Volume (3M)	11.78M	48.09M

Risk-Adjusted Performance

Risk-Return Positioning

PYPL and SOFI are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for PayPal (PYPL) and SoFi (SOFI)
Metric	PYPL	SOFI
Sharpe Ratio (1Y)	-0.28	-0.80
Sortino Ratio (1Y)	-0.37	-1.09

Profitability

ROE (TTM)

PayPal (PYPL) at 23.83% sits in the top ROE quartile, while SoFi (SOFI) at 7.35% is closer to the peer norm — stronger capital efficiency for PYPL.

PYPL

Financial Services industry group

23.83%

Max: 44.78%
PYPL: 23.83%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
Min: -18.71%

SOFI

Financial Services industry group

7.35%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
SOFI: 7.35%
Q1: 4.48%
Min: -18.71%

PayPal (PYPL) vs. SoFi (SOFI): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Both PayPal (PYPL) at 13.78% 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.

PYPL

Financial Services industry group

13.78%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
PYPL: 13.78%
Q1: 4.82%
Min: -28.52%

SOFI

Financial Services industry group

15.75%

Max: 62.84%
Q3: 28.05%
SOFI: 15.75%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

PayPal (PYPL) vs. SoFi (SOFI): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both PayPal (PYPL) at 18.41% and SoFi (SOFI) at 23.19% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

PYPL

Financial Services industry group

18.41%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
PYPL: 18.41%
Q1: 14.60%
Min: -44.34%

SOFI

Financial Services industry group

23.19%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
SOFI: 23.19%
Q1: 14.60%
Min: -44.34%

PayPal (PYPL) vs. SoFi (SOFI): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for PayPal (PYPL) and SoFi (SOFI)
Metric	PYPL	SOFI
ROE (TTM)	23.83%	7.35%
ROA (TTM)	4.70%	1.31%
Net Margin (TTM)	13.78%	15.75%
Operating Margin (TTM)	18.41%	23.19%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while PayPal (PYPL) at 4.32% is closer to the peer norm — faster top-line expansion for SOFI.

PayPal (PYPL) vs. SoFi (SOFI): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both PayPal (PYPL) at 35.59% and SoFi (SOFI) at 0.00% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

PayPal (PYPL) vs. SoFi (SOFI): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for PayPal (PYPL) and SoFi (SOFI)
Metric	PYPL	SOFI
Revenue Growth (YoY)	4.32%	38.32%
Revenue Growth (3Y CAGR)	6.43%	31.93%
EPS Growth (YoY)	35.59%	0.00%
EPS Growth (3Y CAGR)	37.30%	--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: PayPal (PYPL) 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 / Equity (MRQ)

debt-to-equity ratio is set aside for both: PayPal (PYPL) 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

Financial strength metrics for PayPal (PYPL) and SoFi (SOFI)
Metric	PYPL	SOFI
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

SoFi (SOFI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile PayPal (PYPL) reports a yield of 0.95%, ranking against industry peers normally.

PYPL

Financial Services industry group

0.95%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
PYPL: 0.95%
Q1: 0.00%
Min: 0.00%

SOFI

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
SOFI: 0.00%
Q1: 0.00%
Min: 0.00%

PayPal (PYPL) vs. SoFi (SOFI): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

SoFi (SOFI) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile PayPal (PYPL) reports a payout of 10.69%, ranking against industry peers normally.

PYPL

Financial Services industry group

10.69%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
PYPL: 10.69%
Q1: 0.00%
Min: 0.00%

SOFI

Financial Services industry group

0.00%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
SOFI: 0.00%
Q1: 0.00%
Min: 0.00%

PayPal (PYPL) vs. SoFi (SOFI): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for PayPal (PYPL) and SoFi (SOFI)
Metric	PYPL	SOFI
Dividend Yield (TTM)	0.95%	0.00%
Dividend Payout Ratio (TTM)	10.69%	0.00%

Valuation

P/E Ratio (TTM)

PayPal (PYPL) at 11.31 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.

PYPL

Financial Services industry group

11.31

Max: 45.85
Q3: 24.64
Median: 15.37
PYPL: 11.31
Q1: 9.68
Min: 0.16

SOFI

Financial Services industry group

29.47

Max: 45.85
SOFI: 29.47
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

PayPal (PYPL) vs. SoFi (SOFI): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both PayPal (PYPL) at 1.43 and SoFi (SOFI) at 4.49 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

PYPL

Financial Services industry group

1.43

Max: 9.23
Q3: 4.57
Median: 2.72
PYPL: 1.43
Q1: 1.28
Min: -0.55

SOFI

Financial Services industry group

4.49

Max: 9.23
Q3: 4.57
SOFI: 4.49
Median: 2.72
Q1: 1.28
Min: -0.55

PayPal (PYPL) vs. SoFi (SOFI): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both PayPal (PYPL) at 2.55 and SoFi (SOFI) at 1.86 are valued close to their industries’ norm against book — neither stands out from peers.

PYPL

Financial Services industry group

2.55

Max: 7.79
Q3: 3.63
PYPL: 2.55
Median: 1.57
Q1: 0.81
Min: -0.39

SOFI

Financial Services industry group

1.86

Max: 7.79
Q3: 3.63
SOFI: 1.86
Median: 1.57
Q1: 0.81
Min: -0.39

PayPal (PYPL) vs. SoFi (SOFI): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for PayPal (PYPL) and SoFi (SOFI)
Metric	PYPL	SOFI
P/E Ratio (TTM)	11.31	29.47
P/S Ratio (TTM)	1.43	4.49
P/B Ratio (MRQ)	2.55	1.86
Free Cash Flow Yield (TTM)	--	--