PYPL vs SOFI
PYPL: PayPal is a leading global digital payments platform enabling secure online, mobile, and in-person transactions for millions of consumers and businesses. SOFI: An integrated digital financial services "everything app" offering consumer banking, lending, investment products, and enterprise-grade technology infrastructure.
Side-by-side fundamentals
| Metric | PYPL | SOFI | Edge |
|---|---|---|---|
| Price as of 2026-10-20 close | $57.14 | $14.68 | |
| Market cap | $48.9B | $19.0B | |
| P/E as of 2026-10-20 | 10.72 | 29.96 | PYPL lower |
| PEG as of 2026-10-20, 3-year EPS CAGR to FY2025 | 0.29 | n/a | |
| Net margin FY2025, SEC XBRL | +15.8% | +77.7% | SOFI higher |
| Operating margin FY2025, SEC XBRL | +18.3% | n/a | |
| ROE FY2025, SEC XBRL | +25.8% | +4.6% | PYPL higher |
| ROA FY2025, SEC XBRL | +6.5% | +1.0% | PYPL higher |
| Debt / equity filed borrowings, leases excl., balance sheet 2026-03-31 | 0.47 | n/a | |
| Revenue growth (YoY) FY2025, SEC XBRL | +4.3% | +23.1% | SOFI higher |
| Revenue CAGR (3y) SEC XBRL | +6.4% | +18.0% | SOFI higher |
| Dividend yield as of 2026-09-02 | +1.1% | n/a | |
| Dividend streak (yrs) SEC XBRL | 1 | 0 | PYPL higher |
| Beta as of 2026-09-02 | 1.16 | 2.34 | |
| 1-year return as of 2026-10-20 close | -17.4% | -48.8% | PYPL higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.