V vs SOFI Comparison: AI Score, Valuation, Performance and Upside
Compare Visa's toll-booth payment network economics against SoFi's digital banking, lending, and financial services super-app model.
Use this Visa vs SoFi comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
V holds the edge across 3 of 5 key metrics in this comparison. V has delivered stronger 1-year price return (+8.90% vs -39.67%), though SOFI has the better forward P/E setup (21.70x vs 25.43x for V). On fundamentals, SOFI is growing revenue faster (42.60%), while V maintains the higher operating margin (66.13%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for SOFI (+13.58%) than for V (+9.51%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | V | SOFI |
|---|---|---|
| AI scorei | 51.3 | 38.5 |
| AI ranki | #462 | #1353 |
| Latest closei | $368.29 | $16.96 |
| 1M returni | +0.75% | -7.93% |
| 6M returni | +22.88% | -0.70% |
| 1Y returni | +8.90% | -39.67% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | V | SOFI |
|---|---|---|
| 1Y ago | $10.89K (+8.9%) started 2025-09-18 | $6.03K (-39.7%) started 2025-09-18 |
| 5Y ago | $17.72K (+77.2%) started 2021-09-20 | $11.64K (+16.4%) started 2021-09-20 |
| 10Y ago | $50.5K (+405.0%) started 2016-09-19 | $13.9K (+39.0%) started 2021-01-04 |
Hypothetical — past performance does not guarantee future results.
| Metric | V | SOFI |
|---|---|---|
| Market capi | $712.47B | $23.04B |
| Trailing P/Ei | 32.48 | 36.41 |
| Forward P/Ei | 25.43 | 21.70 |
| Price/Salesi | 18.85 | N/A |
| EV/Revenuei | 16.00 | 5.17 |
| Analyst targeti | $417.90 | $20.26 |
| Target upsidei | +9.51% | +13.58% |
| Metric | V | SOFI |
|---|---|---|
| Revenue growthi | 14.40% | 42.60% |
| Earnings growthi | 10.20% | 40.40% |
| EPS growthi | +10.20% | +40.40% |
| FCF margini | +45.86% | N/A |
| Operating margini | 66.13% | 16.96% |
| Profit margini | 50.78% | 14.91% |
| ROIC proxyi | 61.19% | 7.09% |
| Return on equityi | 61.19% | 7.09% |
| Dividend yieldi | 0.70% | N/A |
| Payout ratioi | 22.13% | 0.00% |
| Dividend growth streaki | No increase yet | N/A |
| Betai | 0.76 | 2.20 |
| Debt/equityi | 67.82 | 30.84 |
| Current ratioi | 0.98 | 1.10 |
| Quick ratioi | 0.63 | 0.46 |
Over the past year, V and SOFI have moved barely in the same direction (correlation of 0.05), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | V | SOFI |
|---|---|---|---|
| 1Y | Growthi | +8.90% | -39.67% |
| CAGRi | +8.91% | -39.69% | |
| Volatilityi | 21.94% | 57.00% | |
| Sharpe ratioi | 0.29 | -0.68 | |
| Sortino ratioi | 0.45 | -0.91 | |
| Max drawdowni | 17.35% | 52.96% | |
| Current drawdowni | 4.13% | 47.35% | |
| Avg drawdowni | 6.24% | 32.98% | |
| Ulcer Indexi | 7.87% | 37.02% | |
| Max daily dropi | 4.50% | 15.44% | |
| Max wkly dropi | 8.30% | 20.11% | |
| 5Y | Growthi | +72.15% | +16.40% |
| CAGRi | +11.49% | +3.09% | |
| Volatilityi | 22.94% | 66.23% | |
| Sharpe ratioi | 0.39 | 0.31 | |
| Sortino ratioi | 0.57 | 0.46 | |
| Max drawdowni | 24.14% | 81.54% | |
| Current drawdowni | 4.13% | 47.35% | |
| Avg drawdowni | 6.74% | 51.48% | |
| Ulcer Indexi | 8.63% | 56.39% | |
| Max daily dropi | 7.74% | 15.44% | |
| Max wkly dropi | 11.76% | 24.27% | |
| 10Y | Growthi | +374.36% | +39.02% |
| CAGRi | +16.85% | +5.95% | |
| Volatilityi | 24.49% | 71.60% | |
| Sharpe ratioi | 0.58 | 0.36 | |
| Sortino ratioi | 0.83 | 0.58 | |
| Max drawdowni | 36.36% | 83.32% | |
| Current drawdowni | 4.13% | 47.35% | |
| Avg drawdowni | 6.36% | 51.70% | |
| Ulcer Indexi | 8.91% | 56.56% | |
| Max daily dropi | 13.55% | 15.44% | |
| Max wkly dropi | 16.49% | 24.27% |
| Category | V | SOFI |
|---|---|---|
| Company | V | SOFI |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
| Core business | Visa Inc. operates as a payment technology company in the United States and internationally. | SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. |
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