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American Express vs SoFi Technologies: AXP and SOFI compared
American Express is the larger company: $20.1B of revenue in its latest quarter (Q3 2026) against $1.4B for SoFi Technologies (Q3 2026). SoFi Technologies is growing faster (+44% against +9% a year earlier). SoFi Technologies is more profitable, with an operating margin of 22.9% against 22.6%.
Where the money goes: AXP and SOFI
American Express (AXP) · Q3 2026
American Express, Q3 2026: revenue $20.1B (+9% year over year), operating margin 22.6%, net earnings $3.7B, operating cash flow $5.4B. The chart follows the revenue to costs, profit and cash.
SoFi Technologies (SOFI) · Q3 2026
SoFi Technologies, Q3 2026: revenue $1.4B (+44% year over year), operating margin 22.9%, net earnings $241M, operating cash flow −$3.0B. The chart follows the revenue to costs, profit and cash.
| American Express (AXP) | SoFi Technologies (SOFI) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $20.1B | $1.4B |
| Revenue growth, Y/Y | +9% | +44% |
| Operating margin | 22.6% | 22.9% |
| Net earnings | $3.7B | $241M |
| Net margin | 18.5% | 17.4% |
| Operating cash flow | $5.4B | −$3.0B |
| Free cash flow | $4.4B | — |
| Market value | $216.3B | $22.0B |
| P/E | 18.1× | 29.7× |
| Analysts’ mean target | $365.79 | $20.84 |
Questions
Which is bigger, American Express or SoFi Technologies?
American Express is the larger company: $20.1B of revenue in its latest quarter (Q3 2026) against $1.4B for SoFi Technologies (Q3 2026).
Is American Express or SoFi Technologies growing faster?
SoFi Technologies is growing faster (+44% against +9% a year earlier).
Which is more profitable, American Express or SoFi Technologies?
SoFi Technologies is more profitable, with an operating margin of 22.9% against 22.6%.
More: American Express earnings · how American Express makes money · SoFi Technologies earnings · how SoFi Technologies makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 23, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.