Which has the lower trailing P/E, MELI or SOFI?

SOFI has the lower trailing P/E: MELI trades at 46.60 and SOFI at 33.19. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, MELI or SOFI?

Over the past five years, MELI grew revenue faster — MELI at a 44.82% CAGR versus SOFI at 42.36%.

Is MELI or SOFI more profitable?

SOFI runs the higher net margin — MELI at 5.30% versus SOFI at 11.40%.

How have MELI and SOFI total returns compared?

Over the past 5 years, MELI delivered 0.53% and SOFI delivered 2.52% annualized total return. Past performance doesn't predict future results.

MercadoLibre, Inc. (MELI) vs SoFi Technologies, Inc. (SOFI)

A side-by-side comparison of MercadoLibre, Inc. and SoFi Technologies, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of September 13, 2026. Differences are shown without an overall score or investment verdict.

Different business models: MELI is classified in Consumer Cyclical; SOFI is classified in Financial Services. Margin, capital intensity, and valuation differences should be interpreted in that sector context.

MELI

MercadoLibre, Inc.

$86.81B

$1,712.41Consumer CyclicalDelayed quote: Sep 28, 2026, 4:00 PM EDT

SOFI

SoFi Technologies, Inc.

$20.43B

$15.93Financial ServicesDelayed quote: Sep 28, 2026, 4:00 PM EDT

Total return — MELI vs SOFI

growth of $100 · dividends reinvested · last 6y

MELI +22.1% (+3.4%/yr)SOFI +65.3% (+8.7%/yr)SOFI compounded faster over this window

MELI SOFI

MELI vs SOFI: by the numbers

•MELI is the larger company ($86.81B vs $20.43B market cap).
•SOFI trades at the lower trailing earnings multiple (33.19 vs 46.60 P/E), one valuation lens rather than an overall verdict.
•SOFI converts more revenue to profit (11.40% vs 5.30% net margin).
•MELI grew revenue faster over the past five years (44.82% vs 42.36% CAGR).

Metrics side by side

Valuation

Metric	MELI	SOFI
P/E ratio	46.60	33.19
Forward P/E	45.16	26.99
P/S ratio	2.47	3.66
P/B ratio	11.08	1.84
EV / EBITDA	24.75	N/A
FCF yield	13.73%	N/A

Profitability

Metric	MELI	SOFI
Gross margin	42.68%	76.46%
Operating margin	8.26%	13.22%
Net margin	5.30%	11.40%
ROE	23.78%	5.74%
ROIC	11.63%	N/A

Growth (annualized)

Metric	MELI	SOFI
Revenue CAGR (5Y)	44.82%	42.36%
FCF CAGR (5Y)	129.42%	N/A
Total return CAGR (5Y)	0.53%	2.52%

Frequently asked

Which has the lower trailing P/E, MELI or SOFI?: SOFI has the lower trailing P/E: MELI trades at 46.60 and SOFI at 33.19. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, MELI or SOFI?: Over the past five years, MELI grew revenue faster — MELI at a 44.82% CAGR versus SOFI at 42.36%.
Is MELI or SOFI more profitable?: SOFI runs the higher net margin — MELI at 5.30% versus SOFI at 11.40%.
How have MELI and SOFI total returns compared?: Over the past 5 years, MELI delivered 0.53% and SOFI delivered 2.52% annualized total return. Past performance doesn't predict future results.

Go deeper

Full MELI analysis Full SOFI analysis Interactive comparison tool

Dig into the metrics

MercadoLibre P/E ratio SoFi Technologies P/E ratio MercadoLibre ROE SoFi Technologies ROE MercadoLibre operating margin SoFi Technologies operating margin MercadoLibre revenue growth SoFi Technologies revenue growth MercadoLibre free cash flow

MercadoLibre & SoFi Technologies appear in these rankings

Fastest Revenue Growth Stocks Highest FCF Yield Stocks Highest 10-Year Total Return Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified September 13, 2026.