Better Fintech Stock: PayPal vs. SoFi Technologies

PayPal Leadership and Strategy - PayPal made significant leadership changes, including appointing former Intuit executive Alex Chriss as CEO and replacing the entire executive team [1] - The company focused on efficiency, resulting in a 6% year-over-year revenue growth and a 22% increase in EPS in the most recent quarter [7] - PayPal announced new initiatives such as an advertising platform, Fastlane checkout product, PayPal Everywhere cash-back debit-card, and partnerships with Shopify [8] - The company's growth initiatives started to show results in 2025 [11] SoFi Growth and Performance - SoFi's member base more than tripled over the past three years, with 35% year-over-year growth in the most recent quarter [3] - The company opened about 8.5 million financial services products and grew its deposit base to $24.4 billion since obtaining its banking charter in early 2022 [3] - SoFi became consistently profitable and is expected to see significant bottom-line income growth as the business scales [14] - SoFi is considered one of the best products of the SPAC era, sustaining incredible growth momentum and maintaining a share price above the initial SPAC valuation [9][12] Fintech Industry Overview - The fintech industry was heavily impacted in the post-pandemic bear market, but opportunities remain [5] - PayPal and SoFi represent two different business models, with PayPal focusing on profitability and SoFi on rapid growth [4][6] - Both companies are highlighted as strong fintech investment opportunities [10][13]