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SOFI vs. V: SoFi vs. Visa Stock Comparison

How do SoFi (SOFI) and Visa (V) 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 Visa (V) both fall under the Financial Services industry group, but SOFI is classified in Consumer Finance while V is classified in Financial Services.

Company profile comparison for SoFi (SOFI) and Visa (V)
Profile ItemSOFIV
NameSoFi Technologies, Inc.Visa Inc. Class A
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryConsumer FinanceFinancial Services
GICS Sub-IndustryConsumer FinanceTransaction & Payment Processing Services
Market Capitalization21.04 billion USD788.58 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateJanuary 4, 2021March 19, 2008
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

SOFI
V
GSPC
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SoFi (SOFI) vs. Visa (V), 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

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

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for SoFi (SOFI) and Visa (V)
MetricSOFIV
Total Return (1Y)-40.42%27.50%
Total Return (3Y, Annualized)34.88%21.55%
Total Return (5Y, Annualized)-5.36%15.65%

Risk Profile

Drawdown History

SOFI
V
GSPC
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SoFi (SOFI) vs. Visa (V), 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

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Distribution of monthly total returns for SoFi (SOFI) and Visa (V). 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 Visa (V) is closer to market-like at 0.78 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for SoFi (SOFI) and Visa (V)
MetricSOFIV
Volatility (1Y, Annualized)55.56%22.99%
Beta (5Y)2.220.78
Max Drawdown (5Y)-81.28%-24.14%
Avg. Volume (3M)48.09M6.56M

Risk-Adjusted Performance

Risk-Return Positioning

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SOFI and V 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 SoFi (SOFI) and Visa (V)
MetricSOFIV
Sharpe Ratio (1Y)-0.801.01
Sortino Ratio (1Y)-1.091.64

Profitability

ROE (TTM)

Visa (V) at 63.51% clears its industry range for ROE, a sharper capital-efficiency signal than SoFi (SOFI) at 7.35%, which is closer to a typical peer reading.

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%

V

Financial Services industry group

63.51%

V
63.51%
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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SoFi (SOFI) vs. Visa (V): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Visa (V) at 51.20% retains a top-quartile share of revenue as profit, ahead of SoFi (SOFI) at 15.75%, which keeps about the industry-typical share.

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%

V

Financial Services industry group

51.20%

Max
62.84%
V
51.20%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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SoFi (SOFI) vs. Visa (V): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Visa (V) at 63.73% operates in the top operating margin quartile, ahead of SoFi (SOFI) at 23.19%, which runs around its industry’s norm.

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%

V

Financial Services industry group

63.73%

Max
107.33%
V
63.73%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
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SoFi (SOFI) vs. Visa (V): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for SoFi (SOFI) and Visa (V)
MetricSOFIV
ROE (TTM)7.35%63.51%
ROA (TTM)1.31%19.61%
Net Margin (TTM)15.75%51.20%
Operating Margin (TTM)23.19%63.73%
Gross Margin (TTM)----

Growth

Revenue Growth

SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Visa (V) at 14.76% is closer to the peer norm — faster top-line expansion for SOFI.

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

EPS Growth

Both SoFi (SOFI) at 0.00% and Visa (V) at 20.78% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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

Growth Metrics

Growth metrics for SoFi (SOFI) and Visa (V)
MetricSOFIV
Revenue Growth (YoY)38.32%14.76%
Revenue Growth (3Y CAGR)31.93%12.02%
EPS Growth (YoY)0.00%20.78%
EPS Growth (3Y CAGR)--14.16%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: SoFi (SOFI) in Financial Services and Visa (V) 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 Visa (V) 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 SoFi (SOFI) and Visa (V)
MetricSOFIV
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 Visa (V) reports a yield of 0.66%, ranking against industry peers normally.

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%

V

Financial Services industry group

0.66%

Max
9.77%
Q3
3.92%
Median
1.09%
V
0.66%
Q1
0.00%
Min
0.00%
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SoFi (SOFI) vs. Visa (V): 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 Visa (V) reports a payout of 21.75%, ranking against industry peers normally.

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%

V

Financial Services industry group

21.75%

Max
241.07%
Q3
97.36%
Median
25.77%
V
21.75%
Q1
0.00%
Min
0.00%
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SoFi (SOFI) vs. Visa (V): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for SoFi (SOFI) and Visa (V)
MetricSOFIV
Dividend Yield (TTM)0.00%0.66%
Dividend Payout Ratio (TTM)0.00%21.75%

Valuation

P/E Ratio (TTM)

Both SoFi (SOFI) at 29.47 and Visa (V) at 34.31 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

V

Financial Services industry group

34.31

Max
45.85
V
34.31
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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SoFi (SOFI) vs. Visa (V): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

SoFi (SOFI) at 4.49 prices around its industry’s typical P/S ratio, while Visa (V) at 17.18 clears its benchmark range — V looks notably rich on sales.

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

V

Financial Services industry group

17.18

V
17.18
Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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SoFi (SOFI) vs. Visa (V): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

SoFi (SOFI) at 1.86 sits near its industry’s typical P/B ratio, while Visa (V) at 22.05 prices above its benchmark range — V 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

V

Financial Services industry group

22.05

V
22.05
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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SoFi (SOFI) vs. Visa (V): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for SoFi (SOFI) and Visa (V)
MetricSOFIV
P/E Ratio (TTM)29.4734.31
P/S Ratio (TTM)4.4917.18
P/B Ratio (MRQ)1.8622.05
Free Cash Flow Yield (TTM)----