PYPL vs SOFI
PayPal Holdings, Inc. vs SoFi Technologies, Inc. · Updated Nov 13, 2026
PYPL — 16 winsSOFI — 7 wins
Price Performance
PYPL -9.19%SOFI -45.27%
Performance
| PYPL | SOFI | |
|---|---|---|
| 1 Month | +4.02% | +10.02% |
| 3 Months | -5.36% | -14.46% |
| 6 Months | +29.56% | -2.34% |
| YTD | -0.04% | -40.24% |
| 1 Year | -13.42% | -49.45% |
| 3 Year | +6.82% | +110.85% |
| 5 Year | -74.43% | -32.83% |
Yearly Returns
| YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PYPL | +2.0% | -32.3% | +38.9% | -17.7% | -63.5% | -18.7% | +111.5% | +26.1% | +13.9% | +82.9% | +13.6% | -1.4% |
| SOFI | -43.4% | +85.3% | +59.6% | +121.1% | -70.6% | +29.6% | +18.7% | — | — | — | — | — |
Valuation
| PYPL | SOFI | |
|---|---|---|
| P/E Ratio | 10.95 | 40.90 |
| Forward P/E | 5.26 | 15.44 |
| PEG Ratio | 0.91 | 1.13 |
| P/S Ratio | 1.46 | 4.36 |
| P/B Ratio | 2.47 | 1.98 |
| EV/EBITDA | 7.17 | 23.42 |
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) | 57.97 | 45.77 |
| % From 20-Day SMA | +0.99% | -1.67% |
| % From 50-Day SMA | +5.03% | -3.64% |
| % From 200-Day SMA | +16.45% | -9.92% |
| % From 52-Week High | -14.17% | -52.20% |
| % From 52-Week Low | +51.73% | +12.88% |
Analyst Ratings
PYPL
Hold(40 analysts)
Strong SellHoldStrong Buy
Price Target
$55.88
-5.89% upside
SOFI
Hold(18 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 | $49.41B | $20.80B |
| Shares Outstanding | 830.7M | 1.30B |
| Avg Volume (10D) | 9.99M | 52.27M |
| Dividend Yield | 0.94% | — |
Frequently Asked Questions
Is PYPL or SOFI a better buy right now?
Based on 23 comparable metrics, PYPL leads in 16 categories while SOFI leads in 7. 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 -13.42% compared to SOFI's -49.45%. In the short term (1 month), PYPL returned +4.02% vs SOFI's +10.02%.
Is PYPL or SOFI more expensive?
PYPL trades at a P/E of 10.95 compared to SOFI's 40.90. On a price-to-sales basis, PYPL trades at 1.46x 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 0.94%. 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 18 analysts with a target of $21.05 (+30.46% upside).
Data updated daily. All comparisons based on latest available market data. Not investment advice.