SLM vs SoFi Technologies
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The short version
- SoFi Technologies is the larger business, with $3.6B of revenue in fiscal 2025 against $2.0B for SLM, about 1.8 times as much.
- SoFi Technologies grew revenue faster (35.1%, against 7.3%).
- Investors pay more for each dollar of SoFi Technologiesβs earnings: a P/E of 29.8x against 7.1x for SLM.
| Latest fiscal year | SLM Β· FY25 | SOFI Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $4.1B | $18.3B |
| Revenue | $2.0B | $3.6B |
| Free cash flow | β | β |
| Net income | $745M | $481M |
| Growth | ||
| Revenue growth | 7.3% | 35.1% |
| 5-year growth | 1.8% | 44.9% |
| Share count change | β4.1% | 13.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 37.5% | 13.3% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 32.3% | 5.7% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $476M | $0.0M |
| Valuation & quality | ||
| P/E | 7.1x | 29.8x |
| Piotroski F-score | β | β |
Revenue
FY16
SLM $960M
SOFI β
FY17
SLM $1.1B
SOFI β
FY18
SLM $1.4B
SOFI β
FY19
SLM $1.7B
SOFI $443M
FY20
SLM $1.8B
SOFI $566M
FY21
SLM $2.0B
SOFI $985M
FY22
SLM $1.8B
SOFI $1.6B
FY23
SLM $1.8B
SOFI $2.1B
FY24
SLM $1.8B
SOFI $2.7B
FY25
SLM $2.0B
SOFI $3.6B
SLM
SOFI
Operating margin
FY16
SLM β
SOFI β
FY17
SLM β
SOFI β
FY18
SLM β
SOFI β
FY19
SLM β
SOFI β
FY20
SLM β
SOFI β
FY21
SLM β
SOFI β
FY22
SLM β
SOFI β
FY23
SLM β
SOFI β
FY24
SLM β
SOFI β
FY25
SLM β
SOFI β
SLM
SOFI
Free cash flow
FY16
SLM β
SOFI β
FY17
SLM β
SOFI β
FY18
SLM β
SOFI β
FY19
SLM β
SOFI β
FY20
SLM β
SOFI β
FY21
SLM β
SOFI β
FY22
SLM β
SOFI β
FY23
SLM β
SOFI β
FY24
SLM β
SOFI β
FY25
SLM β
SOFI β
SLM
SOFI
Return on capital
FY16
SLM β
SOFI β
FY17
SLM β
SOFI β
FY18
SLM β
SOFI β
FY19
SLM β
SOFI β
FY20
SLM β
SOFI β
FY21
SLM β
SOFI β
FY22
SLM β
SOFI β
FY23
SLM β
SOFI β
FY24
SLM β
SOFI β
FY25
SLM β
SOFI β
SLM
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.