SoFi Technologies, Inc.
—Price / book
Market cap
—
Tangible equity (USD)
$8.86B
Price / tangible book
—
Price / book
—
Net income / ending equity
4.6%
Net income / ending assets
1.0%
Efficiency ratio
493.6%
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 MA: 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 MA's multiple
Needs MA P/E.
Implied fair value · at SOFI's multiple
Needs SOFI P/E.
Price unavailable
Metric by metric
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
Lower is better
Statements
Reported bank earnings and balances, with each company’s reporting period shown.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
Eight period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
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 (USD)
$8.86B
Price / tangible book
—
Price / book
—
Net income / ending equity
4.6%
Net income / ending assets
1.0%
Efficiency ratio
493.6%
Price / book
Market cap
—
Tangible equity (USD)
-$7.38B
Price / tangible book
—
Price / book
—
Net income / ending equity
193.5%
Net income / ending assets
27.6%
Efficiency ratio
—
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.
Mastercard Incorporated · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
Upstart Holdings, Inc.
SOFI vs UPST
Block, Inc.
SOFI vs XYZ
PayPal Holdings, Inc.
SOFI vs PYPL
Robinhood Markets, Inc.
SOFI vs HOOD
LendingClub Corp
SOFI vs LC
Rocket Companies, Inc.
SOFI vs RKT
Visa Inc.
SOFI vs V
American Express Company
SOFI vs AXP
Discover Financial Services
SOFI vs DFS
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 materially improving margins and quality scores, then holding or accumulating may make sense because the stock still sits near the top of its historical band despite trading below MA-implied and DCF ranges; otherwise, the current price looks rich versus the supplied valuation estimates.
SOFI’s current price of $18.25 sits above both MA-implied range of $1.01-$12.75 and the DCF range of $2.98-$4.03, suggesting the stock is expensive versus both frameworks. It is, however, still inside its historical band of $16.43-$20.08, which implies the market is valuing it near the upper end of its recent trading history rather than on a fundamental discount basis.
Supporting Metrics