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

Updated on August 9, 2025

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

Company Profile

Symbol	SOFI	V
Company Name	SoFi Technologies, Inc.	Visa Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Consumer Finance	Financial Services
Market Capitalization	25.67 billion USD	654.93 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 4, 2021	March 19, 2008
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of SOFI and V 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.

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

Historical Performance at a Glance

Symbol	SOFI	V
5-Day Price Return	-4.96%	-1.66%
13-Week Price Return	66.87%	-2.55%
26-Week Price Return	30.54%	-0.96%
52-Week Price Return	228.13%	32.48%
Month-to-Date Return	-4.96%	-1.66%
Year-to-Date Return	39.35%	7.50%
10-Day Avg. Volume	91.98M	7.11M
3-Month Avg. Volume	69.56M	6.66M
3-Month Volatility	45.76%	20.71%
Beta	1.97	0.92

Profitability

Return on Equity (TTM)

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.

V

52.65%

Financial Services Industry

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

V’s Return on Equity of 52.65% 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 vs. V: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Net Profit Margin (TTM)

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.

V

52.16%

Financial Services Industry

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

A Net Profit Margin of 52.16% places V in the upper quartile for the Financial Services industry, signifying strong profitability and more effective cost management than most of its peers.

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

Operating Profit Margin (TTM)

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.

V

62.21%

Financial Services Industry

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

An Operating Profit Margin of 62.21% places V 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 vs. V: A comparison of their Operating Profit Margin (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Profitability at a Glance

Symbol	SOFI	V
Return on Equity (TTM)	8.58%	52.65%
Return on Assets (TTM)	1.50%	21.39%
Net Profit Margin (TTM)	-19.79%	52.16%
Operating Profit Margin (TTM)	-19.92%	62.21%
Gross Profit Margin (TTM)	--	80.23%

Financial Strength

Current Ratio (MRQ)

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.

V

1.12

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

Debt-to-Equity Ratio (MRQ)

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.

V

0.65

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

Interest Coverage Ratio (TTM)

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.

V

24.71

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

Financial Strength at a Glance

Symbol	SOFI	V
Current Ratio (MRQ)	--	1.12
Quick Ratio (MRQ)	--	1.06
Debt-to-Equity Ratio (MRQ)	0.57	0.65
Interest Coverage Ratio (TTM)	--	24.71

Growth

Revenue Growth

SOFI vs. V: 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

SOFI vs. V: 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)

SOFI

0.06%

Consumer Finance Industry

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

SOFI’s Dividend Yield of 0.06% is in the lower quartile for the Consumer Finance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

V

0.69%

Financial Services Industry

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

V’s Dividend Yield of 0.69% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

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.

V

22.33%

Financial Services Industry

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

V’s Dividend Payout Ratio of 22.33% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	SOFI	V
Dividend Yield (TTM)	0.06%	0.69%
Dividend Payout Ratio (TTM)	0.00%	22.33%

Valuation

Price-to-Earnings Ratio (TTM)

SOFI

45.30

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

At 45.30, 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.

V

32.22

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

A P/E Ratio of 32.22 places V 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 vs. V: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

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.

V

16.80

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

Price-to-Book Ratio (MRQ)

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.

V

17.81

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

At 17.81, V’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 vs. V: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Financial Services industry benchmarks.

Valuation at a Glance

Symbol	SOFI	V
Price-to-Earnings Ratio (TTM)	45.30	32.22
Price-to-Sales Ratio (TTM)	3.35	16.80
Price-to-Book Ratio (MRQ)	2.93	17.81
Price-to-Free Cash Flow Ratio (TTM)	36.13	29.59