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

SOFI has the lower trailing P/E: MELI trades at 49.75 and SOFI at 38.40. 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 26.94% and SOFI delivered 4.22% 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 August 14, 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.

$93.52B

$1,844.58Consumer CyclicalDelayed quote: Aug 14, 2026, 4:00 PM EDT

SOFI

SoFi Technologies, Inc.

$23.46B

$18.29Financial ServicesDelayed quote: Aug 14, 2026, 4:00 PM EDT

Total return — MELI vs SOFI

growth of $100 · dividends reinvested · last 6y

MELI +17.7% (+2.8%/yr)SOFI +75.9% (+9.9%/yr)SOFI compounded faster over this window

MELI SOFI

MELI vs SOFI: by the numbers

•MELI is the larger company ($93.52B vs $23.46B market cap).
•SOFI trades at the lower trailing earnings multiple (38.40 vs 49.75 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	49.75	38.40
Forward P/E	47.52	30.91
P/S ratio	2.63	4.46
P/B ratio	11.83	2.25
EV / EBITDA	26.26	N/A
FCF yield	13.44%	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	11.78%	3.79%

Growth (annualized)

Metric	MELI	SOFI
Revenue CAGR (5Y)	44.82%	42.36%
FCF CAGR (5Y)	129.42%	N/A
Total return CAGR (5Y)	-0.25%	4.22%

Frequently asked

Which has the lower trailing P/E, MELI or SOFI?: SOFI has the lower trailing P/E: MELI trades at 49.75 and SOFI at 38.40. 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 26.94% and SOFI delivered 4.22% 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 August 14, 2026.