SOFI vs. TOST: SoFi vs. Toast Stock Comparison
How do SoFi (SOFI) and Toast (TOST) 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
SoFi (SOFI) and Toast (TOST) both fall under the Financial Services industry group, but SOFI is classified in Consumer Finance while TOST is classified in Financial Services.
| Profile Item | SOFI | TOST |
|---|---|---|
| Name | SoFi Technologies, Inc. | Toast, Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Financial Services |
| GICS Sub-Industry | Consumer Finance | Transaction & Payment Processing Services |
| Market Capitalization | 21.04 billion USD | 20.14 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | January 4, 2021 | September 22, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SOFI | TOST |
|---|---|---|
| Total Return (1Y) | -40.42% | -5.92% |
| Total Return (3Y, Annualized) | 34.88% | 35.73% |
| Total Return (5Y, Annualized) | -5.36% | -10.54% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SOFI | TOST |
|---|---|---|
| Volatility (1Y, Annualized) | 55.56% | 45.32% |
| Beta (5Y) | 2.22 | 1.66 |
| Max Drawdown (5Y) | -81.28% | -79.13% |
| Avg. Volume (3M) | 48.09M | 8.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SOFI | TOST |
|---|---|---|
| Sharpe Ratio (1Y) | -0.80 | -0.23 |
| Sortino Ratio (1Y) | -1.09 | -0.31 |
Profitability
ROE (TTM)
Toast (TOST) at 25.58% sits in the top ROE quartile, while SoFi (SOFI) at 7.35% is closer to the peer norm — stronger capital efficiency for TOST.
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%
TOST
Financial Services industry group
25.58%
- Max
- 44.78%
- TOST
- 25.58%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both SoFi (SOFI) at 15.75% and Toast (TOST) at 7.69% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
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%
TOST
Financial Services industry group
7.69%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- TOST
- 7.69%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
SoFi (SOFI) at 23.19% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.
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%
TOST
Financial Services industry group
8.63%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- TOST
- 8.63%
- Min
- -44.34%
Profitability Metrics
| Metric | SOFI | TOST |
|---|---|---|
| ROE (TTM) | 7.35% | 25.58% |
| ROA (TTM) | 1.31% | 10.30% |
| Net Margin (TTM) | 15.75% | 7.69% |
| Operating Margin (TTM) | 23.19% | 8.63% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Toast (TOST) at 24.05% is closer to the peer norm — faster top-line expansion for SOFI.
EPS Growth
Toast (TOST) at 1,766.67% 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
| Metric | SOFI | TOST |
|---|---|---|
| Revenue Growth (YoY) | 38.32% | 24.05% |
| Revenue Growth (3Y CAGR) | 31.93% | 31.10% |
| EPS Growth (YoY) | 0.00% | 1,766.67% |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: SoFi (SOFI) in Financial Services and Toast (TOST) 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: SoFi (SOFI) in Financial Services and Toast (TOST) 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
| Metric | SOFI | TOST |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither SoFi (SOFI) nor Toast (TOST) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
TOST
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither SoFi (SOFI) nor Toast (TOST) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
TOST
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SOFI | TOST |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Both SoFi (SOFI) at 29.47 and Toast (TOST) at 38.10 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.
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
TOST
Financial Services industry group
38.10
- Max
- 45.85
- TOST
- 38.10
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both SoFi (SOFI) at 4.49 and Toast (TOST) at 2.82 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
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
TOST
Financial Services industry group
2.82
- Max
- 9.23
- Q3
- 4.57
- TOST
- 2.82
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
SoFi (SOFI) at 1.86 sits near its industry’s typical P/B ratio, while Toast (TOST) at 8.79 prices above its benchmark range — TOST looks rich relative to book.
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
TOST
Financial Services industry group
8.79
- TOST
- 8.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SOFI | TOST |
|---|---|---|
| P/E Ratio (TTM) | 29.47 | 38.10 |
| P/S Ratio (TTM) | 4.49 | 2.82 |
| P/B Ratio (MRQ) | 1.86 | 8.79 |
| Free Cash Flow Yield (TTM) | -- | -- |