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 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.
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
Lower is better
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: SOFI FY 2025 (ended Dec 31, 2025) · MA FY 2025 (ended Dec 31, 2025).
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
$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
-$7.38B
Price / tangible book
—
Price / book
—
Return on equity
193.5%
Return on 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
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
2.46x
Net debt / EBITDA
Leverage against operating earnings
19.98x
0.43x
Cash and equivalents
Liquid reserves on the balance sheet
$4.93B
$10.57B
Total debt
Interest-bearing obligations outstanding
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.
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Discover Financial Services
SOFI vs DFS
$39.97B
$19.00B
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