SoFi Technologies Inc. (SOFI)vsVisa Inc. Class A (V)
SOFI
SoFi Technologies Inc.
$17.18
-1.09%
FINANCIAL SERVICES · Cap: $22.48B
V
Visa Inc. Class A
$299.02
+0.23%
FINANCIAL SERVICES · Cap: $597.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 1055% more annual revenue ($41.39B vs $3.58B). V leads profitability with a 50.2% profit margin vs 13.4%. SOFI appears more attractively valued with a PEG of 1.36. V earns a higher WallStSmart Score of 68/100 (B-).
SOFI
Buy58
out of 100
Grade: C
V
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-609.1%
Fair Value
$2.65
Current Price
$17.18
$14.53 premium
Margin of Safety
+18.7%
Fair Value
$368.57
Current Price
$299.02
$69.55 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 40.2% year-over-year
Conservative balance sheet, low leverage
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
ROE of 5.7% — below average capital efficiency
Premium valuation, high expectations priced in
Earnings declined 57.0%
Negative free cash flow — burning cash
Expensive relative to growth rate
Moderate valuation
Trading at 14.9x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SOFI
The strongest argument for SOFI centers on Revenue Growth, Debt/Equity, Price/Book. Revenue growth of 40.2% demonstrates continued momentum. PEG of 1.36 suggests the stock is reasonably priced for its growth.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : SOFI
The primary concerns for SOFI are Return on Equity, P/E Ratio, EPS Growth. A P/E of 45.2x leaves little room for execution misses.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
SOFI profiles as a growth stock while V is a mature play — different risk/reward profiles.
SOFI carries more volatility with a beta of 2.26 — expect wider price swings.
SOFI is growing revenue faster at 40.2% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 58/100), backed by strong 50.2% margins and 14.6% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
SoFi Technologies Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
SoFi Technologies, Inc. provides digital financial services. The company is headquartered in San Francisco, California.
Visit Website →Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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