PYPL vs SOFI
PayPal Holdings, Inc. vs SoFi Technologies, Inc. · Updated May 14, 2026
PYPL — 16 winsSOFI — 7 wins
Price Performance
PYPL -37.65%SOFI +12.05%
Performance
| PYPL | SOFI | |
|---|---|---|
| 1 Month | -5.20% | -14.07% |
| 3 Months | +12.39% | -25.11% |
| 6 Months | -31.36% | -49.61% |
| YTD | -22.11% | -41.21% |
| 1 Year | -37.11% | +9.62% |
| 3 Year | -39.78% | +181.35% |
| 5 Year | -81.96% | +2.60% |
Yearly Returns
| YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PYPL | -22.1% | -32.3% | +38.9% | -17.7% | -63.5% | -18.7% | +111.5% | +26.1% | +13.9% | +82.9% | +13.6% | -1.4% |
| SOFI | -42.8% | +85.3% | +59.6% | +121.1% | -70.6% | +29.6% | +18.7% | — | — | — | — | — |
Valuation
| PYPL | SOFI | |
|---|---|---|
| P/E Ratio | 8.53 | 40.24 |
| 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) | 42.13 | 42.54 |
| % From 20-Day SMA | -6.80% | -10.92% |
| % From 50-Day SMA | -2.96% | -10.39% |
| % From 200-Day SMA | -21.72% | -34.64% |
| % From 52-Week High | -42.80% | -52.98% |
| % From 52-Week Low | +18.24% | +20.80% |
Analyst Ratings
PYPL
Hold(35 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) | 18.22M | 65.75M |
| Dividend Yield | 1.21% | — |
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 35 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 -37.11% compared to SOFI's +9.62%. In the short term (1 month), PYPL returned -5.20% vs SOFI's -14.07%.
Is PYPL or SOFI more expensive?
PYPL trades at a P/E of 8.53 compared to SOFI's 40.24. 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 35 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.