SoFi Technologies Inc vs T-Mobile Us Inc — how do they compare? SoFi Technologies Inc trades at $17.64 (market cap $21.82B), while T-Mobile Us Inc trades at $190.13 (market cap $211.72B). The key difference: T-Mobile Us Inc is far larger — about 9.7× SoFi Technologies Inc's market cap, and T-Mobile Us Inc pays a 2.09% dividend while SoFi Technologies Inc pays none. Which is the better fit depends on your goals.
| SOFI | TMUS | |
|---|---|---|
Market Cap | $21.82B | $211.72B |
Sector | Financials | Media |
52-Week High | $32.21 | $259.01 |
52-Week Low | $15.15 | $167.65 |
Enterprise Value | — | $329.42B |
Dividend Yield | — | 2.09% |
Signals from Pluang's Aura AI — not financial advice
SoFi Technologies (SOFI) trades at $17.64, up 2.08% today, amid a bearish technical signal but strong recent earnings beats. The stock is near its consensus price target low of $17.00, with revenue growth accelerating to $3.61 billion in 2025 and a net income margin of 13.32%. Cash flow trends show heavy reliance on financing activities, while assets have grown to $36.25 billion as of 2024. Recent news highlights upcoming Q2 2026 earnings on July 29, with management guiding for 30% top-line growth.
The outlook for SOFI hinges on sustained revenue expansion and profitability improvements, but risks include negative operating cash flows and competitive pressures. Analyst sentiment is mixed with a 33.33% buy rating, suggesting cautious optimism if execution meets guidance. The stock presents a potential opportunity if Q2 earnings beat expectations, yet volatility remains high given its fintech exposure and macroeconomic sensitivity.
T-Mobile (TMUS) trades at $190.64, down 0.93% on the day, with strong technical momentum showing a bullish moving average signal despite overbought RSI readings near 85. The company demonstrates robust fundamentals with 2025 revenue of $88.31 billion and net income of $10.99 billion, though profit margins have moderated from 13.92% in 2024 to 12.44% in 2025. Recent earnings show mixed results with Q1 2026 beating expectations while Q4 2025 missed, with Q2 2026 results pending.
T-Mobile presents a compelling growth story in telecom with strong analyst support (83% buy ratings) and a $237.40 consensus price target implying 25% upside. Key risks include increasing debt-to-asset ratios (39.35% in 2025) and competitive pressures from satellite internet providers. The stock's current valuation at 20.79 P/E appears reasonable given growth prospects, though investors should monitor execution on subscriber and broadband growth targets.
Trailing returns across standard periods
Latest headlines on both assets
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 →Deutsche Telekom merged its T-Mobile USA unit with prepaid specialist MetroPCS in 2013, creating T-Mobile Us. Following the merger, the firm provided nationwide service in major markets but spottier coverage elsewhere. T-Mobile spent aggressively on low-frequency spectrum, well suited to broad coverage, and has substantially expanded its geographic footprint. This expansion, coupled with aggressive marketing and innovative offerings, produced rapid customer growth. With the Sprint acquisition, the firm's scale now roughly matches its larger rivals: T-Mobile now serves 71 million postpaid and 21 million prepaid phone customers, equal to around 30% of the U.S. retail wireless market. In addition, the firm provides wholesale service to resellers.
Read more on TMUS →