TickerHumSide-by-side comparison
Affirm vs SoFi Technologies
As of Nov 11, 2026, P/E is 11.9x for Affirm vs 30.0x for SoFi Technologies; revenue growth is 32.7% for Affirm vs 5.5% for SoFi Technologies; net margin is 43.9% for Affirm vs 119.6% for SoFi Technologies; one-year return is -12.9% for Affirm vs -48.7% for SoFi Technologies.
What stands out
- Affirm Holdings is growing revenue faster: 32.7% vs 5.5% for SoFi Technologies.
- Affirm Holdings is cheaper on earnings: 11.9x P/E vs 30.0x for SoFi Technologies.
- Affirm Holdings's shares did better over the past year: -12.9% vs -48.7% for SoFi Technologies.
- Affirm Holdings scores higher on TickerHum's ratings: 62/100 vs 37/100 for SoFi Technologies.
Key metrics
| Metric | AFRM | SOFI |
|---|---|---|
| Price | $68.78 | $16.53 |
| Market cap | — | $21.45B |
| P/E | 11.9x (#1) | 30.0x (#2) |
| P/S | — | 34.8x (#1) |
| Revenue growth | 32.7% (#1) | 5.5% (#2) |
| Operating margin | 11.8% (#1) | — |
| Net margin | 43.9% (#2) | 119.6% (#1) |
| Debt / equity | 1.78 (#1) | — |
| 1-year return | -12.9% (#1) | -48.7% (#2) |
| Research score | 62/100 (#1) | 37/100 (#2) |
Higher is better for growth, margins, one-year return and overall score; lower is better for valuation and debt ratios. Ties share a rank and missing values are excluded.
Company research
- Affirm Holdings, Inc. (AFRM) — Credit Services
- SoFi Technologies, Inc. (SOFI) — Credit Services