American Express vs. SoFi Technologies: Which Financial Stock Is a Better Buy in 2026?

The article compares American Express (AXP), a premium legacy payments network with $233B market cap and 21.26 P/E ratio, against SoFi Technologies (SOFI), a rapidly growing fintech platform with $23B market cap and 41.26 P/E ratio. AXP posted $72.2B revenue (+10% YoY) with 15% net margin, while SOFI achieved $3.6B revenue (+38% YoY) with 13.4% net margin. The author recommends American Express for its proven track record, strong premium customer retention, and pricing power, while acknowledging SoFi's impressive growth but citing its relative youth and stock volatility as concerns.