PYPL vs SOFI
PayPal Holdings, Inc. vs SoFi Technologies, Inc. · Updated Nov 9, 2026
PYPL — 17 winsSOFI — 6 wins
Price Performance
PYPL -9.13%SOFI -44.71%
Performance
| PYPL | SOFI | |
|---|---|---|
| 1 Month | +7.92% | +3.36% |
| 3 Months | +0.52% | -10.95% |
| 6 Months | +30.87% | +2.44% |
| YTD | +1.70% | -38.37% |
| 1 Year | -12.76% | -46.34% |
| 3 Year | +14.93% | +112.86% |
| 5 Year | -74.47% | -19.69% |
Yearly Returns
| YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PYPL | +3.5% | -32.3% | +38.9% | -17.7% | -63.5% | -18.7% | +111.5% | +26.1% | +13.9% | +82.9% | +13.6% | -1.4% |
| SOFI | -38.5% | +85.3% | +59.6% | +121.1% | -70.6% | +29.6% | +18.7% | — | — | — | — | — |
Valuation
| PYPL | SOFI | |
|---|---|---|
| P/E Ratio | 11.14 | 42.18 |
| Forward P/E | 5.26 | 15.44 |
| PEG Ratio | 0.91 | 1.13 |
| P/S Ratio | 1.43 | 4.36 |
| P/B Ratio | 2.41 | 1.98 |
| EV/EBITDA | 7.43 | 14.56 |
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) | 63.25 | 51.38 |
| % From 20-Day SMA | +3.75% | +3.11% |
| % From 50-Day SMA | +7.77% | -1.33% |
| % From 200-Day SMA | +18.65% | -8.07% |
| % From 52-Week High | -12.77% | -50.70% |
| % From 52-Week Low | +54.38% | +16.41% |
Analyst Ratings
PYPL
Hold(40 analysts)
Strong SellHoldStrong Buy
Price Target
$55.88
-5.89% upside
SOFI
Hold(19 analysts)
Strong SellHoldStrong Buy
Price Target
$21.05
+30.46% upside
Overview
| PYPL | SOFI | |
|---|---|---|
| Sector | Financial Services | Financial Services |
| Industry | Financial - Credit Services | Financial - Credit Services |
| Exchange | NASDAQ | NASDAQ |
| Market Cap | $48.35B | $20.80B |
| Shares Outstanding | 830.7M | 1.29B |
| Avg Volume (10D) | 12.21M | 69.40M |
| Dividend Yield | 0.72% | — |
Frequently Asked Questions
Is PYPL or SOFI a better buy right now?
Based on 23 comparable metrics, PYPL leads in 17 categories while SOFI leads in 6. PYPL has a consensus analyst rating with 40 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 -12.76% compared to SOFI's -46.34%. In the short term (1 month), PYPL returned +7.92% vs SOFI's +3.36%.
Is PYPL or SOFI more expensive?
PYPL trades at a P/E of 11.14 compared to SOFI's 42.18. On a price-to-sales basis, PYPL trades at 1.43x vs SOFI's 4.36x. 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 0.72%. SOFI does not currently pay a dividend.
Which stock do analysts prefer, PYPL or SOFI?
PYPL has 40 analysts with a target price of $55.88 (-5.89% upside). SOFI has 19 analysts with a target of $21.05 (+30.46% upside).
Data updated daily. All comparisons based on latest available market data. Not investment advice.