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

RCL has the lower trailing P/E: RCL trades at 16.08 and SOFI at 36.08. 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 42.36%.

Does RCL or SOFI pay a bigger dividend?

RCL pays a dividend (1.92% 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 11.40%.

How have RCL and SOFI total returns compared?

Over the past 5 years, RCL delivered 26.76% and SOFI delivered 2.01% annualized total return. Past performance doesn't predict future results.

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 September 10, 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.

$69.77B

$260.14Consumer CyclicalDelayed quote: Sep 11, 2026, 4:00 PM EDT

SOFI

SoFi Technologies, Inc.

$22.22B

$17.32Financial ServicesDelayed quote: Sep 11, 2026, 4:00 PM EDT

Total return — RCL vs SOFI

growth of $100 · dividends reinvested · last 6y

RCL +233.6% (+22.2%/yr)SOFI +65.4% (+8.7%/yr)RCL compounded faster over this window

RCL SOFI

RCL vs SOFI: by the numbers

•RCL is the larger company ($69.77B vs $22.22B market cap).
•RCL trades at the lower trailing earnings multiple (16.08 vs 36.08 P/E), one valuation lens rather than an overall verdict.
•RCL converts more revenue to profit (23.56% vs 11.40% net margin).
•RCL grew revenue faster over the past five years (188.60% vs 42.36% CAGR).
•RCL pays a dividend (1.92% yield), while SOFI has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	RCL	SOFI
P/E ratio	16.08	36.08
Forward P/E	14.65	29.34
P/S ratio	3.73	3.98
P/B ratio	6.82	2.01
EV / EBITDA	13.56	N/A

Profitability

Metric	RCL	SOFI
Gross margin	46.64%	76.46%
Operating margin	27.32%	13.22%
Net margin	23.56%	11.40%
ROE	43.01%	5.74%
ROIC	14.59%	N/A

Dividends

Metric	RCL	SOFI
Dividend yield	1.92%	N/A
Payout ratio	30.90%	N/A

Growth (annualized)

Metric	RCL	SOFI
Revenue CAGR (5Y)	188.60%	42.36%
EPS CAGR (5Y)	9.81%	N/A
FCF CAGR (5Y)	11.57%	N/A
Total return CAGR (5Y)	26.76%	2.01%

Frequently asked

Which has the lower trailing P/E, RCL or SOFI?: RCL has the lower trailing P/E: RCL trades at 16.08 and SOFI at 36.08. 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 42.36%.
Does RCL or SOFI pay a bigger dividend?: RCL pays a dividend (1.92% 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 11.40%.
How have RCL and SOFI total returns compared?: Over the past 5 years, RCL delivered 26.76% and SOFI delivered 2.01% annualized total return. Past performance doesn't predict future results.

Go deeper

Full RCL analysis Full SOFI analysis Interactive comparison tool

Dig into the metrics

Royal Caribbean Cruises P/E ratio SoFi Technologies P/E ratio Royal Caribbean Cruises dividend yield Royal Caribbean Cruises ROE SoFi Technologies ROE Royal Caribbean Cruises operating margin SoFi Technologies operating margin Royal Caribbean Cruises revenue growth SoFi Technologies revenue growth Royal Caribbean Cruises free cash flow

Royal Caribbean Cruises & SoFi Technologies appear in these rankings

Fastest Revenue Growth Stocks Highest ROE 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 10, 2026.