SoFi Technologies (SOFI) Competitors $21.23 -1.35 (-5.98%) Closing price 08/1/2025 04:00 PM EasternExtended Trading$21.16 -0.07 (-0.35%) As of 08/1/2025 07:59 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock SOFI vs. AFRM, HOOD, PYPL, UPST, BAC, IBIT, BBVA, BMO, ING, and MFGShould you be buying SoFi Technologies stock or one of its competitors? The main competitors of SoFi Technologies include Affirm (AFRM), Robinhood Markets (HOOD), PayPal (PYPL), Upstart (UPST), Bank of America (BAC), iShares Bitcoin Trust ETF (IBIT), Banco Bilbao Viscaya Argentaria (BBVA), Bank Of Montreal (BMO), ING Group (ING), and Mizuho Financial Group (MFG). SoFi Technologies vs. Its Competitors Affirm Robinhood Markets PayPal Upstart Bank of America iShares Bitcoin Trust ETF Banco Bilbao Viscaya Argentaria Bank Of Montreal ING Group Mizuho Financial Group Affirm (NASDAQ:AFRM) and SoFi Technologies (NASDAQ:SOFI) are both large-cap banking companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, institutional ownership, profitability, valuation, analyst recommendations, media sentiment, risk and earnings. Do analysts recommend AFRM or SOFI? Affirm currently has a consensus price target of $68.09, suggesting a potential upside of 2.53%. SoFi Technologies has a consensus price target of $18.06, suggesting a potential downside of 14.94%. Given Affirm's stronger consensus rating and higher probable upside, equities research analysts clearly believe Affirm is more favorable than SoFi Technologies.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Affirm 0 Sell rating(s) 10 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.69SoFi Technologies 3 Sell rating(s) 11 Hold rating(s) 6 Buy rating(s) 1 Strong Buy rating(s) 2.24 Is AFRM or SOFI more profitable? SoFi Technologies has a net margin of 18.38% compared to Affirm's net margin of -2.07%. SoFi Technologies' return on equity of 4.51% beat Affirm's return on equity.Company Net Margins Return on Equity Return on Assets Affirm-2.07% -2.22% -0.61% SoFi Technologies 18.38%4.51%0.80% Which has more risk & volatility, AFRM or SOFI? Affirm has a beta of 3.63, suggesting that its share price is 263% more volatile than the S&P 500. Comparatively, SoFi Technologies has a beta of 1.92, suggesting that its share price is 92% more volatile than the S&P 500. Do institutionals & insiders hold more shares of AFRM or SOFI? 69.3% of Affirm shares are held by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are held by institutional investors. 11.8% of Affirm shares are held by company insiders. Comparatively, 2.6% of SoFi Technologies shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth. Which has better valuation and earnings, AFRM or SOFI? SoFi Technologies has higher revenue and earnings than Affirm. Affirm is trading at a lower price-to-earnings ratio than SoFi Technologies, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioAffirm$2.32B9.22-$517.76M-$0.21-316.24SoFi Technologies$2.67B8.77$498.67M$0.4844.23 Does the media refer more to AFRM or SOFI? In the previous week, SoFi Technologies had 88 more articles in the media than Affirm. MarketBeat recorded 92 mentions for SoFi Technologies and 4 mentions for Affirm. Affirm's average media sentiment score of 0.83 beat SoFi Technologies' score of 0.76 indicating that Affirm is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Affirm 1 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive SoFi Technologies 31 Very Positive mention(s) 18 Positive mention(s) 28 Neutral mention(s) 2 Negative mention(s) 0 Very Negative mention(s) Positive SummaryAffirm and SoFi Technologies tied by winning 8 of the 16 factors compared between the two stocks. Get SoFi Technologies News Delivered to You Automatically Sign up to receive the latest news and ratings for SOFI and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding SOFI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart SOFI vs. The Competition Export to ExcelMetricSoFi TechnologiesFIN IndustryFinance SectorNASDAQ ExchangeMarket Cap$24.96B$7.73B$12.04B$9.54BDividend YieldN/A4.90%5.62%4.09%P/E Ratio44.2318.8819.7623.83Price / Sales8.774.8925.9366.14Price / Cash57.4220.9821.3357.96Price / Book3.562.532.095.54Net Income$498.67M$311.63M$1.00B$259.28M7 Day Performance0.14%-6.55%-2.46%-4.67%1 Month Performance17.16%6.99%-0.85%4.37%1 Year Performance219.25%29.35%537.08%17.91% SoFi Technologies Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)SOFISoFi Technologies2.4926 of 5 stars$21.23-6.0%$18.06-14.9%+196.5%$24.96B$2.67B44.235,000Trending NewsEarnings ReportAnalyst ForecastAnalyst RevisionGap DownAFRMAffirm2.1135 of 5 stars$65.43-2.0%$67.32+2.9%+151.4%$21.53B$2.32B-311.572,006News CoverageAnalyst UpgradeHOODRobinhood Markets3.3837 of 5 stars$101.85-2.4%$85.29-16.3%+393.6%$92.39B$2.95B57.872,300Trending NewsEarnings ReportAnalyst ForecastInsider TradeGap DownPYPLPayPal4.8799 of 5 stars$76.00+1.6%$83.13+9.4%+2.8%$72.76B$31.80B17.0024,400Trending NewsEarnings ReportAnalyst ForecastInsider TradeOptions VolumeAnalyst RevisionUPSTUpstart3.143 of 5 stars$79.99+4.3%$71.62-10.5%+211.9%$7.30B$636.53M-106.651,193News CoverageUpcoming EarningsGap DownBACBank of America4.8453 of 5 stars$47.77+0.6%$50.03+4.7%+15.6%$357.61B$192.43B13.97213,000Trending NewsAnalyst ForecastInsider TradeBuyback AnnouncementIBITiShares Bitcoin Trust ETFN/A$67.82+2.2%N/A+78.0%$86.86BN/A0.00N/ABBVABanco Bilbao Viscaya Argentaria2.9688 of 5 stars$14.86+0.8%N/A+68.3%$85.99B$38.40B7.86125,916Trending NewsEarnings ReportHigh Trading VolumeBMOBank Of Montreal4.3994 of 5 stars$114.79-0.2%$129.50+12.8%+34.1%$82.60B$34.37B14.8953,597Positive NewsINGING Group3.6172 of 5 stars$23.01+0.5%N/A+31.8%$80.04B$24.47B10.9060,000News CoverageEarnings ReportMFGMizuho Financial Group4.3212 of 5 stars$5.73+1.5%N/A+29.4%$71.04B$59.30B12.1852,554Earnings Report Related Companies and Tools Related Companies Affirm Alternatives Robinhood Markets Alternatives PayPal Alternatives Upstart Alternatives Bank of America Alternatives iShares Bitcoin Trust ETF Alternatives Banco Bilbao Viscaya Argentaria Alternatives Bank Of Montreal Alternatives ING Group Alternatives Mizuho Financial Group Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:SOFI) was last updated on 8/2/2025 by MarketBeat.com Staff From Our Partners379 passengers walked away from thisWhy Elon Musk Just Invested $51 Million Into Brand New “Miracle Metal” Developed by MIT ScientistsTrue Market Insiders | Sponsored$100 Trillion “AI Metal” Found in American Ghost TownJeff Brown recently traveled to a ghost town in the middle of an American desert… To investigate what could...Brownstone Research | SponsoredHe Called Nvidia at $1.10. 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