Marqeta Inc vs SoFi Technologies Inc — how do they compare? Marqeta Inc trades at $17.1 (market cap $1.82B), while SoFi Technologies Inc trades at $15.71 (market cap $20.16B). The key difference: SoFi Technologies Inc is far larger — about 11.1× Marqeta Inc's market cap, and Marqeta Inc is trading nearer its 52-week high, SoFi Technologies Inc nearer its low. Which is the better fit depends on your goals — on Pluang, investors hold Marqeta Inc for 44 Days and SoFi Technologies Inc for 60 Days on average.
| MQ | SOFI | |
|---|---|---|
Market Cap | $1.82B | $20.16B |
Volume | 1,126,466 | 49,646,331 |
Sector | Technology | Financials |
52-Week High | $20.32 | $32.21 |
52-Week Low | $15.04 | $15.15 |
Typical Hold Time | 44 Days | 60 Days |
Enterprise Value | $1.13B | $20.30B |
Signals from Pluang's Aura AI — not financial advice
Marqeta (MQ) trades at $17.06, up 3.08% with a bullish technical signal from moving averages. The company shows improving fundamentals with three consecutive quarterly EPS beats and revenue growth from $507M in 2024 to projected $677M in 2026. Recent partnerships with BVNK for stablecoin cards and Google for wallet expansion highlight strategic growth initiatives. However, valuation metrics remain elevated with a P/E of 189.56 and EV/EBITDA of 52.44 despite modest profitability margins.
MQ presents a mixed outlook with strong operational momentum but premium valuation. The stock offers growth potential through expanding payment partnerships and enterprise adoption, though faces risks from contract renewals in Q3 2026 and competitive pressure. Analyst consensus of $11.38 suggests caution despite recent bullish earnings revisions and institutional interest in the digital payments space.
SOFI Technologies stock trades at $15.66, down 0.64% on the day, with a bearish technical signal from moving averages and oscillators. The company reported strong earnings beats in recent quarters, with Q3 2026 results expected soon. Revenue has grown from $1.6B in 2022 to $3.6B in 2025, though net income margins have fluctuated. Analyst consensus is a Buy with a $21.58 price target, but technical indicators suggest near-term pressure.
The outlook for SOFI is mixed: strong fundamentals and growth potential are offset by technical weakness and competitive risks. Investment opportunity lies in its revenue trajectory and market position, but investors face risks from execution challenges and interest rate sensitivity. The stock's current valuation metrics indicate premium pricing relative to peers, requiring careful monitoring of upcoming earnings.
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Headquartered in Oakland, California, and founded in 2010, Marqeta provides its clients with a card-issuing platform that offers the infrastructure and tools necessary to offer digital, physical, and tokenized payment options without the need for a traditional bank. The company's open APIs are designed to allow third parties like DoorDash, Klarna, and Block to rapidly develop and deploy innovative card-based products and payment services without the need to develop the underlying technology. The company generates revenue primarily through processing and ATM fees for cards issued on its platform.
Read more on MQ →SoFi is a financial services company that was founded in 2011 and is currently based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020 the company also offers payment and account services for debit cards and digital banking.
Read more on SOFI →