SoFi Technologies, Inc.
—Price / book
Market cap
—
Tangible equity
$8.86B
Price / tangible book
—
Price / book
—
Return on equity
4.6%
Return on assets
1.0%
Efficiency ratio
219.2%
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: SOFI stock price vs AXP: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at AXP's multiple
Needs AXP P/E.
Implied fair value · at SOFI's multiple
Needs SOFI P/E.
Metric by metric
Price unavailable
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability lag
Asset efficiency lag
Less efficient
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: SOFI FY 2025 (ended Dec 31, 2025) · AXP FY 2025 (ended Dec 31, 2025).
Trendline
Eight fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / book
Market cap
—
Tangible equity
$8.86B
Price / tangible book
—
Price / book
—
Return on equity
4.6%
Return on assets
1.0%
Efficiency ratio
219.2%
Price / book
Market cap
—
Tangible equity
$28.51B
Price / tangible book
—
Price / book
—
Return on equity
32.4%
Return on assets
3.6%
Efficiency ratio
66.1%
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
SoFi Technologies, Inc. · implied price per share
Latest annual free cash flow must be positive to qualify the filing-backed baseline.
AMERICAN EXPRESS CO · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
3.81x
1.73x
Net debt / EBITDA
Leverage against operating earnings
19.98x
2.61x
Cash and equivalents
Liquid reserves on the balance sheet
$4.93B
$742.00M
Total debt
Interest-bearing obligations outstanding
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
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SOFI vs SYF
$39.97B
$57.76B
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe SOFI can sustain 20%+ revenue growth while translating that growth into cleaner, more durable earnings quality, then hold or accumulate selectively because the market is pricing it above both the DCF range and the lower end of AXP-implied range; otherwise, the current price looks hard to justify versus the data provided.
SOFI’s $16.31 price is close to the upper end of its historical band ($14.68-$17.94), but far above the DCF range ($3.00-$4.06) and above the lower end of AXP-implied range ($2.65-$33.39). The gap reflects a market that is assigning SOFI a much richer growth and profitability profile than what the provided valuation frameworks support.
Supporting Metrics