StockDecksPayPal vs SoFi Technologies
PayPal Holdings, Inc. (PYPL) and SoFi Technologies, Inc. (SOFI) · Financial Services
As of 24 October 2026, PayPal has a StockDecks Fundamental Score of +19 (grade B) and SoFi Technologies +21 (grade B), on a −100 to +100 scale. PayPal rates higher on Financial Health, Profitability and Valuation; SoFi Technologies rates higher on Growth.
| Rating | PYPL | SOFI |
|---|---|---|
| Fundamental Score | +19Grade B | +21Grade B |
| Financial Health | +22 | -10 |
| Profitability | +35 | -4 |
| Growth | -31 | +96 |
| Valuation | +50 | +3 |
Both companies are measured against the same Financial Services benchmarks, so their scores compare directly. Scores describe each company as it stands; they are not forecasts or recommendations.
The measures side by side
Each figure is the latest reported value; the number beneath is how it scores on the −100 to +100 scale. A dash means no genuine figure is available. Tap a measure’s name for a plain-English explanation.
Financial Health
| Measure | PYPL | SOFI |
|---|---|---|
| Debt to equity | 0.72×+82 | 0.31×+91 |
| Current ratio | 1.29×+26 | 1.11×+9 |
| Quick ratio | 0.25×-91 | 0.46×-61 |
| FCF / Total debt | 0.31×+41 | — |
Profitability
| Measure | PYPL | SOFI |
|---|---|---|
| Gross margin | 40.5%+90 | 83.7%+98 |
| Operating margin | 17%+34 | 17%+34 |
| Net margin | 14.4%-25 | 14.9%-21 |
| Return on equity | 24.5%+94 | 7.1%-44 |
| Gross profit / assets | 19.3%-4 | — |
| Asset turnover | 0.41× | 0.07× |
Growth
| Measure | PYPL | SOFI |
|---|---|---|
| Revenue growth (YoY) | 4.8%-2 | 42.6%+99 |
| Earnings growth (YoY) | -3.1%-29 | 40.4%+93 |
| Earnings growth (Q) | -12.5%-63 | 61%+96 |
Valuation
| Measure | PYPL | SOFI |
|---|---|---|
| P/E (trailing) | 10.66×+50 | 29.83×-93 |
| Forward P/E | 9.86×+39 | 17.77×-52 |
| PEG ratio | 1.02×+62 | 0.52×+92 |
| Price/Book | 2.48×+23 | 1.7×+58 |
| Price/Sales | 1.44×+91 | 4.42×+17 |
| EV/EBITDA | 8.02×+90 | — |
| FCF yield | 9%+75 | — |
Key figures
| PYPL | SOFI | |
|---|---|---|
| Industry | Credit Services | Credit Services |
| Market cap | $49.2B | $18.9B |
| Dividend yield | 0.98% | 0.00% |
| Payout ratio | 7.94% | 0.00% |
| Beta | 1.28 | 2.33 |
About the companies
PayPal. PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. Full PayPal rating
SoFi Technologies. SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. Full SoFi Technologies rating
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These figures were captured on 24 October 2026. StockDecks shows the current numbers, plus Hype, Analyst Upside, Trend Signals and Insider Track, all free.