PYPL vs SOFI
PayPal Holdings, Inc. vs SoFi Technologies, Inc. · Updated May 11, 2026
PYPL — 13 winsSOFI — 10 wins
Price Performance
PYPL -37.67%SOFI +15.81%
Performance
| PYPL | SOFI | |
|---|---|---|
| 1 Month | -0.19% | +0.15% |
| 3 Months | +9.73% | -23.91% |
| 6 Months | -31.85% | -40.19% |
| YTD | -22.65% | -37.95% |
| 1 Year | -35.93% | +22.51% |
| 3 Year | -37.12% | +231.87% |
| 5 Year | -81.95% | +0.46% |
Yearly Returns
| YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PYPL | -22.5% | -32.3% | +38.9% | -17.7% | -63.5% | -18.7% | +111.5% | +26.1% | +13.9% | +82.9% | +13.6% | -1.4% |
| SOFI | -40.8% | +85.3% | +59.6% | +121.1% | -70.6% | +29.6% | +18.7% | — | — | — | — | — |
Valuation
| PYPL | SOFI | |
|---|---|---|
| P/E Ratio | 8.47 | 42.47 |
| Forward P/E | 5.26 | 15.44 |
| PEG Ratio | 0.91 | 1.13 |
| P/S Ratio | 1.23 | 4.28 |
| P/B Ratio | 2.08 | 1.95 |
| EV/EBITDA | 6.09 | 12.56 |
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 | 0.17 |
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) | 39.20 | 49.35 |
| % From 20-Day SMA | -8.10% | -7.44% |
| % From 50-Day SMA | -3.70% | -6.05% |
| % From 200-Day SMA | -22.70% | -31.17% |
| % From 52-Week High | -43.20% | -50.37% |
| % From 52-Week Low | +17.41% | +27.51% |
Analyst Ratings
PYPL
Hold(34 analysts)
Strong SellHoldStrong Buy
Price Target
$51.19
+12.74% upside
SOFI
Hold(17 analysts)
Strong SellHoldStrong Buy
Price Target
$21.70
+38.13% upside
Overview
| PYPL | SOFI | |
|---|---|---|
| Sector | Financial Services | Financial Services |
| Industry | Financial - Credit Services | Financial - Credit Services |
| Exchange | NASDAQ | NASDAQ |
| Market Cap | $41.63B | $20.40B |
| Shares Outstanding | 882.1M | 1.28B |
| Avg Volume (10D) | 16.91M | 80.19M |
| Dividend Yield | 1.21% | — |
Frequently Asked Questions
Is PYPL or SOFI a better buy right now?
Based on 23 comparable metrics, PYPL leads in 13 categories while SOFI leads in 10. PYPL has a consensus analyst rating with 34 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 -35.93% compared to SOFI's +22.51%. In the short term (1 month), PYPL returned -0.19% vs SOFI's +0.15%.
Is PYPL or SOFI more expensive?
PYPL trades at a P/E of 8.47 compared to SOFI's 42.47. On a price-to-sales basis, PYPL trades at 1.23x vs SOFI's 4.28x. 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 1.21%. SOFI does not currently pay a dividend.
Which stock do analysts prefer, PYPL or SOFI?
PYPL has 34 analysts with a target price of $51.19 (+12.74% upside). SOFI has 17 analysts with a target of $21.70 (+38.13% upside).
Data updated daily. All comparisons based on latest available market data. Not investment advice.