Coinbase vs SoFi (COIN vs SOFI)
Coinbase (COIN) vs SoFi (SOFI) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.
Coinbase (COIN) and SoFi (SOFI) compete in financial services and payments. Here are Coinbase and SoFi side by side with their real figures as of November 4, 2026: what sets them apart, which fits each kind of investor and the most common questions, without telling you whether to buy Coinbase or SoFi.
Coinbase vs SoFi: the figures
| Figure | Coinbase | SoFi |
|---|---|---|
| Share price | $151.50 (November 4, 2026) | $17.38 (November 4, 2026) |
| Market cap | $40.1 billion | $22.5 billion |
| P/E (TTM) | N/A | 31.6x |
| Forward P/E | 61.3x | 19.3x |
| Revenue growth (quarter) | -34.2% | +43.9% |
| Net margin (TTM) | -12.9% | 15.7% |
| Net debt / EBITDA | Net cash | N/A |
| Dividend yield | 0.00% | 0.00% |
| Beta | 3.35 | 2.24 |
Coinbase and SoFi figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that Coinbase or SoFi figure is not available, and we never estimate it.
3 key differences between Coinbase and SoFi
- Growth: SoFi grew sales +43.9% year on year in its latest quarter, against -34.2% for Coinbase.
- Profitability: for every 100 of sales, SoFi keeps 15.7 as net profit and Coinbase keeps -12.9.
- Volatility: Coinbase stock moves more (beta 3.35) than SoFi (beta 2.24); the higher the beta, the more it amplifies market swings.
Coinbase or SoFi: which fits your profile
- If you want growth: SoFi is growing faster today, so it fits better with investors who put business growth first, usually accepting a higher P/E and a bumpier ride.
- If you prefer caution: SoFi has a less volatile share price, which usually gives more room in a bad year.
Neither Coinbase nor SoFi wins on everything, and owning both is also an option: spreading money across several companies or an index fund reduces what rides on each one.
How Coinbase and SoFi make money
Coinbase (COIN)
Coinbase runs a crypto trading platform for individuals and institutions. It earns transaction fees on trades plus subscription and services revenue, including interest tied to the USDC stablecoin, staking, custody and its Coinbase One membership. It also owns the Deribit derivatives exchange and develops the Base blockchain network. Full Coinbase analysis.
SoFi (SOFI)
SoFi is a US digital bank with three segments: Lending, its largest, offering personal, student and home loans; Financial Services, covering the checking and savings account, credit card, investing and other products in its app; and Technology Platform, where Galileo sells payment and account infrastructure to other fintechs and banks. Full SoFi analysis.
Frequently asked questions: Coinbase vs SoFi
Is Coinbase or SoFi the better stock?
Choosing between Coinbase and SoFi depends on what you are looking for. SoFi is growing faster right now. Fintols does not tell you whether to buy Coinbase or SoFi: it shows you the differences so you can decide.
Which pays a higher dividend, Coinbase or SoFi?
Neither pays a dividend as of November 4, 2026: Coinbase and SoFi put what they earn into growth or other forms of shareholder return.
Can I own both Coinbase and SoFi?
Yes. Many people spread their money across several companies, such as Coinbase and SoFi, or use index funds so they do not depend on just one. If you are starting out, decide how much you want to invest and for how long before buying Coinbase or SoFi.
More comparisons with Coinbase or SoFi
More companies like Coinbase and SoFi: financial services and payments stocks. Educational content about Coinbase and SoFi, not investment advice.