Capital One vs SoFi Technologies
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The short version
- Capital One is the larger business, with $53.4B of revenue in fiscal 2025 against $3.6B for SoFi Technologies, about 15 times as much.
- Capital One grew revenue faster (36.6%, against 35.1%).
- Investors pay more for each dollar of SoFi Technologiesβs earnings: a P/E of 29.8x against 12.1x for Capital One.
| Latest fiscal year | COF Β· FY25 | SOFI Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $109.0B | $18.3B |
| Revenue | $53.4B | $3.6B |
| Free cash flow | β | β |
| Net income | $2.5B | $481M |
| Growth | ||
| Revenue growth | 36.6% | 35.1% |
| 5-year growth | 13.4% | 44.9% |
| Share count change | 41.1% | 13.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 4.6% | 13.3% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 2.8% | 5.7% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $5.6B | $0.0M |
| Valuation & quality | ||
| P/E | 12.1x | 29.8x |
| Piotroski F-score | β | β |
Revenue
FY16
COF $25.5B
SOFI β
FY17
COF $27.2B
SOFI β
FY18
COF $28.1B
SOFI β
FY19
COF $28.6B
SOFI $443M
FY20
COF $28.5B
SOFI $566M
FY21
COF $30.4B
SOFI $985M
FY22
COF $34.3B
SOFI $1.6B
FY23
COF $36.8B
SOFI $2.1B
FY24
COF $39.1B
SOFI $2.7B
FY25
COF $53.4B
SOFI $3.6B
COF
SOFI
Operating margin
FY16
COF β
SOFI β
FY17
COF β
SOFI β
FY18
COF β
SOFI β
FY19
COF β
SOFI β
FY20
COF β
SOFI β
FY21
COF β
SOFI β
FY22
COF β
SOFI β
FY23
COF β
SOFI β
FY24
COF β
SOFI β
FY25
COF β
SOFI β
COF
SOFI
Free cash flow
FY16
COF β
SOFI β
FY17
COF β
SOFI β
FY18
COF β
SOFI β
FY19
COF β
SOFI β
FY20
COF β
SOFI β
FY21
COF β
SOFI β
FY22
COF β
SOFI β
FY23
COF β
SOFI β
FY24
COF β
SOFI β
FY25
COF β
SOFI β
COF
SOFI
Return on capital
FY16
COF β
SOFI β
FY17
COF β
SOFI β
FY18
COF β
SOFI β
FY19
COF β
SOFI β
FY20
COF β
SOFI β
FY21
COF β
SOFI β
FY22
COF β
SOFI β
FY23
COF β
SOFI β
FY24
COF β
SOFI β
FY25
COF β
SOFI β
COF
SOFI
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.