HOOD vs SOFI: Robinhood vs SoFi Stock Comparison: AI Score, Valuation, Performance and Upside
Robinhood is a trading-first platform expanding into banking and subscriptions, while SoFi is a banking-first platform expanding into investing and fintech infrastructure. Robinhood has stronger brand recognition with younger retail traders; SoFi has deeper financial product integration and a bank charter advantage.
Use this HOOD vs SOFI comparison to evaluate two fintech disruptors with different core strengths. Robinhood's edge is trading engagement and crypto exposure; SoFi's edge is full-stack banking and fintech infrastructure.
HOOD holds the edge across 4 of 5 key metrics in this comparison. HOOD has delivered stronger 1-year price return (-7.44% vs -38.36%), though SOFI has the better forward P/E setup (21.70x vs 32.48x for HOOD). On fundamentals, SOFI is growing revenue faster (42.60%), while HOOD maintains the higher operating margin (43.88%) — a classic growth-versus-profitability split. Analyst consensus implies similar upside for both: +15.80% for HOOD and +13.58% for SOFI.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to retail trading engagement and crypto market cycles through a proven consumer brand
- Believe Robinhood Gold subscriptions will drive predictable recurring revenue growth
- Prefer a platform with dominant mindshare among younger, mobile-first investors
- Are comfortable with transaction-based revenue cyclicality tied to market volatility
- Prefer a diversified financial platform with banking, lending, investing, and fintech infrastructure
- Value SoFi's bank charter as a structural cost advantage for deposit gathering and lending margins
- Believe Galileo/Technisys B2B fintech infrastructure creates a durable revenue stream beyond consumer banking
- Want a fintech play with more product breadth and cross-sell potential than a pure-play brokerage
| Metric | HOOD | SOFI |
|---|---|---|
| AI scorei | 54.0 | 38.5 |
| AI ranki | #314 | #1353 |
| Latest closei | $109.81 | $16.73 |
| 1M returni | +19.97% | -5.27% |
| 6M returni | +48.07% | -2.05% |
| 1Y returni | -7.44% | -38.36% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | HOOD | SOFI |
|---|---|---|
| 1Y ago | $9.08K (-9.2%) started 2025-09-18 | $5.95K (-40.5%) started 2025-09-18 |
| 5Y ago | $26.98K (+169.8%) started 2021-09-20 | $11.48K (+14.8%) started 2021-09-20 |
| 10Y ago | $31.54K (+215.4%) started 2021-07-29 | $13.71K (+37.1%) started 2021-01-04 |
Hypothetical — past performance does not guarantee future results.
| Metric | HOOD | SOFI |
|---|---|---|
| Market capi | $95.79B | $23.04B |
| Trailing P/Ei | 47.14 | 36.41 |
| Forward P/Ei | 32.48 | 21.70 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 18.68 | 5.17 |
| Analyst targeti | $123.38 | $20.26 |
| Target upsidei | +15.80% | +13.58% |
| Metric | HOOD | SOFI |
|---|---|---|
| Revenue growthi | 32.30% | 42.60% |
| Earnings growthi | 47.60% | 40.40% |
| EPS growthi | +47.60% | +40.40% |
| FCF margini | N/A | N/A |
| Operating margini | 43.88% | 16.96% |
| Profit margini | 42.01% | 14.91% |
| ROIC proxyi | 23.62% | 7.09% |
| Return on equityi | 23.62% | 7.09% |
| Dividend yieldi | N/A | N/A |
| Payout ratioi | 0.00% | 0.00% |
| Dividend growth streaki | N/A | N/A |
| Betai | 2.32 | 2.20 |
| Debt/equityi | 240.28 | 30.84 |
| Current ratioi | 1.12 | 1.10 |
| Quick ratioi | 1.07 | 0.46 |
Over the past year, HOOD and SOFI have moved moderately in the same direction (correlation of 0.66), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | HOOD | SOFI |
|---|---|---|---|
| 1Y | Growthi | -9.18% | -40.48% |
| CAGRi | -9.19% | -40.51% | |
| Volatilityi | 72.43% | 56.98% | |
| Sharpe ratioi | 0.16 | -0.70 | |
| Sortino ratioi | 0.25 | -0.94 | |
| Max drawdowni | 57.26% | 52.96% | |
| Current drawdowni | 27.97% | 48.06% | |
| Avg drawdowni | 32.10% | 32.98% | |
| Ulcer Indexi | 35.78% | 37.02% | |
| Max daily dropi | 13.24% | 15.44% | |
| Max wkly dropi | 28.21% | 20.11% | |
| 5Y | Growthi | +169.80% | +14.82% |
| CAGRi | +21.99% | +2.81% | |
| Volatilityi | 68.50% | 66.22% | |
| Sharpe ratioi | 0.56 | 0.30 | |
| Sortino ratioi | 0.86 | 0.45 | |
| Max drawdowni | 85.30% | 81.54% | |
| Current drawdowni | 27.97% | 48.06% | |
| Avg drawdowni | 51.86% | 51.48% | |
| Ulcer Indexi | 58.72% | 56.39% | |
| Max daily dropi | 19.79% | 15.44% | |
| Max wkly dropi | 28.21% | 24.27% | |
| 10Y | Growthi | +215.36% | +37.13% |
| CAGRi | +25.05% | +5.69% | |
| Volatilityi | 73.92% | 71.60% | |
| Sharpe ratioi | 0.60 | 0.36 | |
| Sortino ratioi | 0.95 | 0.57 | |
| Max drawdowni | 90.21% | 83.32% | |
| Current drawdowni | 27.97% | 48.06% | |
| Avg drawdowni | 59.35% | 51.70% | |
| Ulcer Indexi | 65.75% | 56.56% | |
| Max daily dropi | 27.59% | 15.44% | |
| Max wkly dropi | 28.21% | 24.27% |
| Category | HOOD | SOFI |
|---|---|---|
| Company | Robinhood Markets, Inc. | SoFi Technologies, Inc. |
| Sector | Financial Services | Financial Services |
| Industry | Capital Markets | Credit Services |
| Core business | Commission-free brokerage offering stock, options, and crypto trading, plus Gold subscription, cash management, retirement accounts, and credit card services for retail investors. | Digital-first financial services platform offering lending (personal, student, home), banking (checking, savings), investing, and a fintech platform (Galileo, Technisys) providing banking-as-a-service infrastructure. |
| Investor focus | Revenue diversification beyond PFOF, Gold subscriber growth, crypto trading volume, retirement account assets, international expansion, and operating leverage. | Member growth, lending volume recovery, banking deposit growth, Galileo/Technisys platform revenue, and sustained profitability. |
- Dominant brand among millennial and Gen Z retail investors with an intuitive mobile-first trading platform
- Gold subscription tier drives predictable recurring revenue with margin lending, research, and enhanced features
- Crypto trading revenue provides exposure to crypto market cycles without regulatory exchange complexity
- Full-stack financial platform — one app for banking, investing, lending, and financial planning creates cross-sell opportunities
- Bank charter enables direct deposit gathering at lower cost than wholesale funding, improving lending margins
- Galileo and Technisys fintech infrastructure platforms create a B2B revenue stream independent of consumer lending cycles
- Transaction-based revenue (PFOF, crypto) is highly cyclical and tied to market volatility
- Regulatory risk around payment for order flow (PFOF) — potential rule changes could disrupt the core revenue model
- Competition from established brokerages (Schwab, Fidelity) offering similar commission-free features with deeper product suites
- Lending revenue is sensitive to interest rate changes and credit cycle risk — rising defaults could pressure margins
- Smaller scale than Robinhood in investing and than traditional banks in lending creates competitive pressure on both fronts
- Galileo/Technisys platform growth must accelerate to diversify beyond consumer lending dependence
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.
Full valuation workup with AI Score, Monte Carlo forecast, and bull/bear case — free preview, premium data from $3.99.