AMERICAN EXPRESS CO vs SoFi Technologies, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin comparison lands closer than the era gap suggests: SoFi keeps 14.6% of revenue as net income, American Express 15.1%, the fintech having finally caught the incumbent's bottom line. What it has not caught is capital efficiency: Amex earns 33% on equity against SoFi's 5.3%, and converts 6.1% of its price into free cash where SoFi's figure runs negative 25.8%, loan-book growth consuming everything (lender cash flows, as always, mean less than they look). The multiples price the difference in trajectory, 39.7 times for SoFi against 21.3 for Amex, with the dividend on the cheaper one. Same margins, opposite maturity: the market pays nearly double per dollar for the one still becoming itself.
Comparison updated 2026-07-10.
| Metric | AXP | SOFI |
|---|---|---|
| Price | $340.48 | $17.86 |
| Market cap | $233.6B | $24.6B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| P/E | 21.3 | 39.7 |
| P/B | 6.87 | 2.28 |
| P/S | 3.15 | 6.24 |
| EV/EBITDA | — | 313.9 |
| Revenue growth | +10.5% | +40.7% |
| Net margin | 15.1% | 14.6% |
| Return on equity | 33.0% | 5.3% |
| Return on assets | 3.6% | 1.1% |
| Dividend yield | 1.0% | — |
| Debt / equity | 1.78 | 0.00 |
| Altman Z (solvency) | 0.87 | 0.40 |
| Piotroski F (quality) | 7 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.