American Express vs SoFi Technologies
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KIRAβs take AI analyst
I put American Express and SoFi Technologies side by side, using each oneβs latest annual report. Here is what stands out:
- 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 Technologiesβs earnings: a P/E of 29.5x against 17.7x for American Express.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
American Express
AXP
3/5
Net marginReturn on equityShare count change
SoFi Technologies
SOFI
2/5
Revenue growth5-year growth
Side by side
Best in the row
| Latest fiscal year | AXP FY25 | SOFI FY25 |
|---|---|---|
| Size | ||
| Market cap | $219.3B | $18.1B |
| Revenue | $72.2B | $3.6B |
| Free cash flow | β | β |
| Net income | $10.8B | $481M |
| Growth | ||
| Revenue growth | 9.5% | 35.1% |
| 5-year growth | 14.9% | 44.9% |
| Share count change | β2.4% | 13.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 15.0% | 13.3% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 34.0% | 5.7% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $8.1B | $0.0M |
| Valuation & quality | ||
| P/E | 17.7x | 29.5x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.