American Express
AXP · Consumer Finance
$313.22
3.7%SoFi Technologies
SOFI · Consumer Finance
$14.62
1.0%The short version
- American Express is the larger business, with $72.2B of revenue in fiscal 2025 against $3.6B for SoFi Technologies, about 20 times as much.
- SoFi Technologies grew revenue faster (35.1%, against 9.5%).
- Investors pay more for each dollar of SoFi Technologies’s earnings: a P/E of 29.8x against 17.6x for American Express.
| Latest fiscal year | AXP · FY25 | SOFI · FY25 |
|---|---|---|
| Size | ||
| Market cap | $218.0B | $18.3B |
| Revenue | $72.2B | $3.6B |
| Free cash flow | — | — |
| Net income | $10.8B | $481M |
| Growth | ||
| Revenue growth | 9.5% | 35.1% |
| 5-year growth | 14.9% | 44.9% |
| Share count change | −2.4% | 13.7% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 15.0% | 13.3% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 34.0% | 5.7% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $8.1B | $0.0M |
| Valuation & quality | ||
| P/E | 17.6x | 29.8x |
| Piotroski F-score | — | — |
FY16
AXP $35.4B
SOFI —
FY17
AXP $36.9B
SOFI —
FY18
AXP $40.3B
SOFI —
FY19
AXP $43.6B
SOFI $443M
FY20
AXP $36.1B
SOFI $566M
FY21
AXP $42.4B
SOFI $985M
FY22
AXP $52.9B
SOFI $1.6B
FY23
AXP $60.5B
SOFI $2.1B
FY24
AXP $65.9B
SOFI $2.7B
FY25
AXP $72.2B
SOFI $3.6B
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.