Royal Caribbean Cruises Ltd. (RCL) vs SoFi Technologies, Inc. (SOFI)
A side-by-side comparison of Royal Caribbean Cruises Ltd. and SoFi Technologies, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of July 28, 2026. Differences are shown without an overall score or investment verdict.
Different business models: RCL is classified in Consumer Cyclical; SOFI is classified in Financial Services. Margin, capital intensity, and valuation differences should be interpreted in that sector context.
RCL
Royal Caribbean Cruises Ltd.
$322.50Consumer CyclicalDelayed quote: Jul 28, 2026, 4:00 PM EDT
SOFI
SoFi Technologies, Inc.
$16.74Financial ServicesDelayed quote: Jul 28, 2026, 4:00 PM EDT
Total return — RCL vs SOFI
growth of $100 · dividends reinvested · last 6yRCL +311.6%SOFI +59.8%RCL compounded faster
RCL SOFI
RCL vs SOFI: by the numbers
- •RCL is the larger company ($86.49B vs $21.47B market cap).
- •RCL trades at the lower trailing earnings multiple (18.61 vs 38.15 P/E), one valuation lens rather than an overall verdict.
- •RCL converts more revenue to profit (23.56% vs 11.22% net margin).
- •RCL grew revenue faster over the past five years (188.60% vs 43.20% CAGR).
- •RCL pays a dividend (1.64% yield), while SOFI has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | RCL | SOFI |
|---|---|---|
| P/E ratio | 18.61 | 38.15 |
| Forward P/E | 17.61 | 28.28 |
| P/S ratio | 4.50 | 4.52 |
| P/B ratio | 8.43 | 2.15 |
| PEG ratio | 0.41 | N/A |
| EV / EBITDA | 15.31 | N/A |
| FCF yield | 1.66% | N/A |
Profitability
| Metric | RCL | SOFI |
|---|---|---|
| Gross margin | 46.64% | 76.02% |
| Operating margin | 27.32% | 12.56% |
| Net margin | 23.56% | 11.22% |
| ROE | 43.01% | 5.34% |
| ROIC | 14.90% | 3.79% |
Dividends
| Metric | RCL | SOFI |
|---|---|---|
| Dividend yield | 1.64% | N/A |
| Payout ratio | 31.79% | N/A |
Growth (annualized)
| Metric | RCL | SOFI |
|---|---|---|
| Revenue CAGR (5Y) | 188.60% | 43.20% |
| EPS CAGR (5Y) | 9.81% | N/A |
| FCF CAGR (5Y) | 11.57% | N/A |
| Total return CAGR (5Y) | 32.71% | 1.73% |
Frequently asked
- Which has the lower trailing P/E, RCL or SOFI?
- RCL has the lower trailing P/E: RCL trades at 18.61 and SOFI at 38.15. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, RCL or SOFI?
- Over the past five years, RCL grew revenue faster — RCL at a 188.60% CAGR versus SOFI at 43.20%.
- Does RCL or SOFI pay a bigger dividend?
- RCL pays a dividend (1.64% yield), while SOFI has no payments in the available dividend history.
- Is RCL or SOFI more profitable?
- RCL runs the higher net margin — RCL at 23.56% versus SOFI at 11.22%.
- How have RCL and SOFI total returns compared?
- Over the past 5 years, RCL delivered 17.30% and SOFI delivered 1.73% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Royal Caribbean Cruises P/E ratioSoFi Technologies P/E ratioRoyal Caribbean Cruises dividend yieldSoFi Technologies dividend yieldRoyal Caribbean Cruises ROESoFi Technologies ROERoyal Caribbean Cruises operating marginSoFi Technologies operating marginRoyal Caribbean Cruises revenue growthSoFi Technologies revenue growthRoyal Caribbean Cruises free cash flowSoFi Technologies free cash flow
Royal Caribbean Cruises & SoFi Technologies appear in these rankings
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 July 28, 2026.