PYPL vs SOFI
PayPal Holdings, Inc. vs SoFi Technologies, Inc. · Updated Jun 26, 2026
PYPL — 15 winsSOFI — 8 wins
Price Performance
PYPL -40.85%SOFI +3.43%
Performance
| PYPL | SOFI | |
|---|---|---|
| 1 Month | -3.49% | +8.26% |
| 3 Months | -4.97% | +4.47% |
| 6 Months | -28.80% | -36.75% |
| YTD | -27.00% | -33.92% |
| 1 Year | -42.08% | +9.15% |
| 3 Year | -38.13% | +101.40% |
| 5 Year | -84.68% | -23.79% |
Yearly Returns
| YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PYPL | -25.6% | -32.3% | +38.9% | -17.7% | -63.5% | -18.7% | +111.5% | +26.1% | +13.9% | +82.9% | +13.6% | -1.4% |
| SOFI | -36.8% | +85.3% | +59.6% | +121.1% | -70.6% | +29.6% | +18.7% | — | — | — | — | — |
Valuation
| PYPL | SOFI | |
|---|---|---|
| P/E Ratio | 8.00 | 45.23 |
| Forward P/E | 5.26 | 15.44 |
| PEG Ratio | 0.91 | 1.13 |
| P/S Ratio | 1.11 | 4.66 |
| P/B Ratio | 1.87 | 2.12 |
| EV/EBITDA | 5.50 | 25.28 |
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) | 45.38 | 56.94 |
| % From 20-Day SMA | +0.12% | +0.98% |
| % From 50-Day SMA | -6.34% | +1.93% |
| % From 200-Day SMA | -21.57% | -23.23% |
| % From 52-Week High | -46.39% | -47.14% |
| % From 52-Week Low | +10.82% | +15.95% |
Analyst Ratings
PYPL
Hold(30 analysts)
Strong SellHoldStrong Buy
Price Target
$50.45
+18.44% upside
SOFI
Hold(17 analysts)
Strong SellHoldStrong Buy
Price Target
$21.40
+19.89% upside
Overview
| PYPL | SOFI | |
|---|---|---|
| Sector | Financial Services | Financial Services |
| Industry | Financial - Credit Services | Financial - Credit Services |
| Exchange | NASDAQ | NASDAQ |
| Market Cap | $37.35B | $22.20B |
| Shares Outstanding | 882.1M | 1.28B |
| Avg Volume (10D) | 16.91M | 87.53M |
| Dividend Yield | 1.32% | — |
Frequently Asked Questions
Is PYPL or SOFI a better buy right now?
Based on 23 comparable metrics, PYPL leads in 15 categories while SOFI leads in 8. PYPL has a consensus analyst rating with 30 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 -42.08% compared to SOFI's +9.15%. In the short term (1 month), PYPL returned -3.49% vs SOFI's +8.26%.
Is PYPL or SOFI more expensive?
PYPL trades at a P/E of 8.00 compared to SOFI's 45.23. On a price-to-sales basis, PYPL trades at 1.11x vs SOFI's 4.66x. 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 1.32%. SOFI does not currently pay a dividend.
Which stock do analysts prefer, PYPL or SOFI?
PYPL has 30 analysts with a target price of $50.45 (+18.44% upside). SOFI has 17 analysts with a target of $21.40 (+19.89% upside).
Data updated daily. All comparisons based on latest available market data. Not investment advice.