SOFI vs XYZ
SOFI: A digital-first, all-in-one financial services 'everything app' integrating consumer banking, lending, and enterprise fintech technology infrastructure. XYZ: Block is a fintech platform enabling sellers and consumers to accept payments, access financial services, and manage money through integrated Square and Cash App ecosystems.
Side-by-side fundamentals
| Metric | SOFI | XYZ | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $16.88 | $81.24 | |
| Market cap as of 2026-08-01 | $21.7B | $49.6B | |
| P/E as of 2026-08-01 | 36.26 | 61.41 | SOFI lower |
| PEG as of 2026-08-01 | 0.96 | n/a | |
| Net margin as of 2026-08-01 | -19.8% | +3.3% | XYZ higher |
| Gross margin as of 2026-08-01 | n/a | +44.9% | |
| Operating margin as of 2026-08-01 | -19.9% | +4.9% | XYZ higher |
| ROE as of 2026-08-01 | +6.3% | +3.6% | SOFI higher |
| ROA as of 2026-08-01 | +1.2% | +2.1% | XYZ higher |
| Debt / equity as of 2026-08-01 | 0.17 | 0.36 | SOFI lower |
| Revenue growth (YoY) as of 2026-08-01 | +205.5% | +2.3% | SOFI higher |
| Revenue CAGR (3y) SEC XBRL | +18.0% | +11.3% | SOFI higher |
| Dividend yield | n/a | n/a | |
| Dividend streak (yrs) SEC XBRL | 0 | n/a | |
| Beta as of 2026-08-01 | 2.23 | 2.54 | |
| 1-year return as of 2026-07-27 close | -20.4% | +0.6% | XYZ higher |
Fundamentals: market data, as of 2026-08-01. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
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.