PYPL vs SOFI
PayPal Holdings, Inc. vs SoFi Technologies, Inc. · Updated Aug 10, 2026
PYPL — 14 winsSOFI — 9 wins
Price Performance
PYPL -12.74%SOFI -18.76%
Performance
| PYPL | SOFI | |
|---|---|---|
| 1 Month | +29.96% | -1.96% |
| 3 Months | +27.43% | +14.09% |
| 6 Months | +47.62% | -6.19% |
| YTD | +0.89% | -30.27% |
| 1 Year | -15.15% | -14.93% |
| 3 Year | -19.54% | +81.10% |
| 5 Year | -78.62% | +18.23% |
Yearly Returns
| YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PYPL | +0.7% | -32.3% | +38.9% | -17.7% | -63.5% | -18.7% | +111.5% | +26.1% | +13.9% | +82.9% | +13.6% | -1.4% |
| SOFI | -33.7% | +85.3% | +59.6% | +121.1% | -70.6% | +29.6% | +18.7% | — | — | — | — | — |
Valuation
| PYPL | SOFI | |
|---|---|---|
| P/E Ratio | 11.05 | 47.73 |
| Forward P/E | 5.26 | 15.44 |
| PEG Ratio | 0.91 | 1.13 |
| P/S Ratio | 1.50 | 4.85 |
| P/B Ratio | 2.52 | 2.20 |
| EV/EBITDA | 7.54 | 25.72 |
Financials
| PYPL | SOFI | |
|---|---|---|
| EPS (TTM) | $5.33 | $0.38 |
| Gross Margin | +45.61% | +53.53% |
| Operating Margin | +17.81% | +37.11% |
| Net Margin | +13.32% | +13.00% |
| ROE | +25.26% | +4.59% |
| ROA | +6.28% | +0.95% |
| Debt/Equity | 0.47 | 0.18 |
Growth
| PYPL | SOFI | |
|---|---|---|
| Revenue Growth YoY | +7.21% | +32.47% |
| Revenue Growth QoQ | -3.72% | +5.30% |
| EPS Growth YoY | -6.20% | -56.67% |
| EPS Growth QoQ | -20.91% | +18.18% |
Technical
| PYPL | SOFI | |
|---|---|---|
| RSI (14) | 72.57 | 56.19 |
| % From 20-Day SMA | +4.72% | +5.19% |
| % From 50-Day SMA | +21.46% | +4.69% |
| % From 200-Day SMA | +13.49% | -13.40% |
| % From 52-Week High | -25.65% | -44.23% |
| % From 52-Week Low | +53.15% | +30.30% |
Analyst Ratings
PYPL
Hold(36 analysts)
Strong SellHoldStrong Buy
Price Target
$55.53
-5.72% upside
SOFI
Hold(19 analysts)
Strong SellHoldStrong Buy
Price Target
$21.00
+15.04% upside
Overview
| PYPL | SOFI | |
|---|---|---|
| Sector | Financial Services | Financial Services |
| Industry | Financial - Credit Services | Financial - Credit Services |
| Exchange | NASDAQ | NASDAQ |
| Market Cap | $50.47B | $23.13B |
| Shares Outstanding | 882.1M | 1.28B |
| Avg Volume (10D) | 12.55M | 78.01M |
| Dividend Yield | 0.73% | — |
Frequently Asked Questions
Is PYPL or SOFI a better buy right now?
Based on 23 comparable metrics, PYPL leads in 14 categories while SOFI leads in 9. PYPL has a consensus analyst rating with 36 analysts covering the stock. Neither stock should be purchased based on a single comparison — consider your investment goals and risk tolerance.
Which stock has better performance, PYPL or SOFI?
Over the past year, PYPL returned -15.15% compared to SOFI's -14.93%. In the short term (1 month), PYPL returned +29.96% vs SOFI's -1.96%.
Is PYPL or SOFI more expensive?
PYPL trades at a P/E of 11.05 compared to SOFI's 47.73. On a price-to-sales basis, PYPL trades at 1.50x vs SOFI's 4.85x. Forward P/E: PYPL at 5.26 vs SOFI at 15.44.
Which stock has higher growth, PYPL or SOFI?
PYPL's revenue grew +7.21% year-over-year compared to SOFI's +32.47%. EPS growth: PYPL at -6.20% vs SOFI at -56.67%.
Do PYPL and SOFI pay dividends?
PYPL pays a dividend with a yield of 0.73%. SOFI does not currently pay a dividend.
Which stock do analysts prefer, PYPL or SOFI?
PYPL has 36 analysts with a target price of $55.53 (-5.72% upside). SOFI has 19 analysts with a target of $21.00 (+15.04% upside).
Data updated daily. All comparisons based on latest available market data. Not investment advice.