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SoFi falls in 2026 while PayPal rises on takeover speculation
SoFi is down 31.0% year to date, while PayPal is up 5.9% as SoFi faces margin and revenue pressure tied to its shift toward banking.
SoFi Technologies shares have diverged sharply from PayPal Holdings in 2026, with SoFi down 31.0% year to date and PayPal up 5.9%, according to Yahoo Finance.
Yahoo Finance cites CNBC host Jim Cramer as saying he is cautious about recommending PayPal based solely on takeover chatter, arguing that analysts had kept pushing fintech names even as they struggle.
For SoFi, the article links the valuation debate to its transformation from a student loan company into a digital bank. It says SoFi’s forward price to earnings multiple is 31.55, compared with JPMorgan’s and well above PayPal’s cited 11.79.
The source adds that SoFi’s second quarter showed its Financial Services and Technology segments growing net revenue by 29% while dropping 23% year over year overall, and it notes technology pressure after a large client transitioned away from the platform.