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SOFI vs V

SOFI
SoFi Technologies, Inc.
NEUTRAL
Price
$19.43
Market Cap
$24.78B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
SOFI
49.82
V
28.35
Forward P/E
SOFI
24.63
V
20.79
P/B Ratio
SOFI
2.35
V
15.09
P/S Ratio
SOFI
6.92
V
14.08
EV/EBITDA
SOFI
--
V
20.06

Profitability

Gross Margin
SOFI
83.0%
V
97.78%
Operating Margin
SOFI
18.18%
V
68.3%
Profit Margin
SOFI
13.43%
V
50.23%
ROE
SOFI
5.66%
V
53.95%
ROA
SOFI
1.11%
V
18.36%

Growth

Revenue Growth
SOFI
40.2%
V
14.6%
Earnings Growth
SOFI
-57.0%
V
17.4%

Financial Health

Debt/Equity
SOFI
0.18
V
0.55
Current Ratio
SOFI
1.18
V
1.11
Quick Ratio
SOFI
0.55
V
0.72

Dividends

Dividend Yield
SOFI
--
V
0.89%
Payout Ratio
SOFI
0.0%
V
22.91%

AI Verdict

SOFI NEUTRAL

SOFI exhibits a stark divergence between its growth trajectory and its deterministic financial health, highlighted by a weak Piotroski F-Score of 2/9. While the company demonstrates impressive revenue growth of 40.20% and a consistent track record of earnings beats, it trades at a significant premium to its Graham Number ($8.51) and Intrinsic Value ($2.73). The current price of $19.43 reflects high market expectations for future scaling rather than current fundamental value. Overall, the stock is a speculative growth play with deteriorating short-term financial health metrics and bearish insider sentiment.

Strengths
Strong top-line growth with 40.20% YoY revenue increase
Consistent earnings surprise record, beating estimates in 3 of the last 4 quarters
Low Debt/Equity ratio (0.18) indicating conservative leverage
Risks
Very weak Piotroski F-Score (2/9) indicating poor fundamental health trends
Significant negative YoY earnings growth (-57.00%)
Extreme valuation premium over Graham Number and Intrinsic Value
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

SOFI vs V: Head-to-Head Comparison

This page compares SoFi Technologies, Inc. (SOFI) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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