LIVE
HOOD
Robinhood Markets, Inc. · Financial Services
$108.15
+45.83% this month
VERSUS
⟷
COMPARE
SOFI
SoFi Technologies, Inc. · Financial Services
$17.91
+17.60% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
HOOD
2
SOFI
2
Comparison scoreboard
MIXED SETUPAI Score
HOOD ✓41.3
SOFI 36.2
1Y Return
HOOD ✓+38.03%
SOFI +16.60%
Fwd P/E
HOOD 37.37
SOFI ✓21.94
Target Up.
HOOD -6.47%
SOFI ✓+16.69%
Op. Margin
HOOD N/A
SOFI N/A
Metrics last refreshed: 6/20/2026
Quick take
HOOD vs SOFI Stock Comparison: AI Score, Valuation, Performance and Upside
HOOD and SOFI are both mobile-first fintech companies targeting younger US investors, but with different product breadths and banking capabilities. SoFi's bank charter provides a significant structural advantage — the ability to take deposits and earn net interest margin creates a more sustainable financial model than Robinhood's PFOF and crypto fee dependence. Robinhood has more users; SoFi has higher-quality customers and a more defensible banking business.
HOOD vs SOFI — Robinhood (the commission-free trading platform for younger retail investors with PFOF, crypto, and Gold subscription revenue targeting mass-market accessibility) versus SoFi Technologies (the bank-chartered digital financial services company targeting high-income HENRYs with loans, deposits, and investing through a full-service digital bank model).
Live analysis · updated 6/20/2026
HOOD and SOFI are closely matched — they split the tracked metrics evenly. HOOD has delivered stronger 1-year price return (+38.03% vs +16.60%), though SOFI trades at the lower forward P/E (21.94x vs 37.37x). Analyst consensus implies meaningfully more upside for SOFI (+16.69%) than for HOOD (-6.47%).
Normalized 1Y performance
HOOD
SOFI
Recent returns
HOOD
SOFI
Analyst price targets & sentiment
HOOD · 24 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.9/5.0)
Price target range
analyst low$52.00
analyst high$155.00
analyst mean$101.15
current price$108.15
-6.5% upside to analyst mean
SOFI · 20 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.7/5.0)
Price target range
analyst low$12.00
analyst high$31.00
analyst mean$20.90
current price$17.91
+16.7% upside to analyst mean
Who should consider this stock?
HOOD may suit investors who:
- →believe Robinhood's massive younger user base will grow wallets over time as millennial and Gen-Z investors build wealth — a demographic bet on customer lifetime value
- →see crypto trading volumes as a structural Robinhood revenue advantage in crypto bull markets
- →value Robinhood's simpler fintech-pure model vs SoFi's more complex bank charter and multi-product strategy
- →are comfortable with PFOF regulatory risk, absence of bank charter limiting NIM, and competition from Schwab and Fidelity offering free trading with full bank services
SOFI may suit investors who:
- →value SoFi's bank charter providing net interest margin on deposits and loans — a structural competitive advantage vs non-bank fintechs like Robinhood that require partners for banking functions
- →prefer SoFi's HENRY demographic targeting — higher income, prime credit quality customers with larger financial products and higher lifetime revenue per member
- →believe the Galileo B2B payments infrastructure and Technisystems core banking technology create valuable recurring revenue diversification beyond consumer banking
- →are comfortable with student loan policy sensitivity, longer-than-expected path to GAAP profitability, and competition from well-capitalized traditional banks improving digital capabilities
Performance & AI score
| Metric | HOOD | SOFI |
|---|---|---|
| AI score | 41.3 | 36.2 |
| AI rank | #965 | #1522 |
| Latest close | $108.15 | $17.91 |
| 1M return | +45.83% | +17.60% |
| 6M return | -6.61% | -29.13% |
| 1Y return | +38.03% | +16.60% |
$10,000 invested — hypothetical growth (dividends reinvested)
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 | $13.8K (+38.0%) started 2025-06-18 | $11.66K (+16.6%) started 2025-06-18 |
| 5Y ago | $31.06K (+210.6%) started 2021-07-29 | $7.77K (-22.3%) started 2021-06-18 |
| 10Y ago | $31.06K (+210.6%) started 2021-07-29 | $14.68K (+46.8%) started 2021-01-04 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | HOOD | SOFI |
|---|---|---|
| Market cap | $97.39B | $22.97B |
| Trailing P/E | 52.50 | 39.80 |
| Forward P/E | 37.37 | 21.94 |
| Price/Sales | 21.11 | 5.88 |
| EV/Revenue | 17.73 | 5.39 |
| Analyst target | $101.15 | $20.90 |
| Target upside | -6.47% | +16.69% |
Growth, profitability & risk
| Metric | HOOD | SOFI |
|---|---|---|
| Revenue growth | 15.10% | 42.50% |
| Earnings growth | 2.70% | 101.20% |
| EPS growth | +2.70% | +101.20% |
| FCF margin | N/A | N/A |
| Operating margin | N/A | N/A |
| Profit margin | 41.12% | 14.76% |
| ROIC proxy | 21.46% | 6.60% |
| Return on equity | 21.46% | 6.60% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 2.35 | 2.15 |
| Debt/equity | 140.48 | 17.72 |
| Current ratio | 1.11 | 1.12 |
| Quick ratio | 1.07 | 0.49 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
HOOD max drawdown57.26%
SOFI max drawdown52.96%
HOOD max wkly drop28.21%
SOFI max wkly drop20.11%
5Y risk snapshot
HOOD max drawdown90.21%
SOFI max drawdown81.54%
HOOD max wkly drop28.21%
SOFI max wkly drop24.27%
10Y risk snapshot
HOOD max drawdown90.21%
SOFI max drawdown83.32%
HOOD max wkly drop28.21%
SOFI max wkly drop24.27%
Performance metrics by period
| Period | Metric | HOOD | SOFI |
|---|---|---|---|
| 1Y | Growth | +38.03% | +16.60% |
| CAGR | +38.06% | +16.61% | |
| Sharpe ratio | 0.75 | 0.48 | |
| Max drawdown | 57.26% | 52.96% | |
| Max daily drop | 13.24% | 15.44% | |
| Max wkly drop | 28.21% | 20.11% | |
| 5Y | Growth | +210.60% | -22.27% |
| CAGR | +26.10% | -4.91% | |
| Sharpe ratio | 0.61 | 0.19 | |
| Max drawdown | 90.21% | 81.54% | |
| Max daily drop | 27.59% | 15.44% | |
| Max wkly drop | 28.21% | 24.27% | |
| 10Y | Growth | +210.60% | +46.80% |
| CAGR | +26.10% | +7.30% | |
| Sharpe ratio | 0.61 | 0.38 | |
| Max drawdown | 90.21% | 83.32% | |
| Max daily drop | 27.59% | 15.44% | |
| Max wkly drop | 28.21% | 24.27% |
Business comparison
| Category | HOOD | SOFI |
|---|---|---|
| Company | Robinhood Markets, Inc. | SoFi Technologies, Inc. |
| Sector | Financial Services | Financial Services |
| Industry | N/A | N/A |
| Core business | Robinhood is a mobile-first retail fintech brokerage offering commission-free stock, options, and crypto trading. Revenue comes from PFOF, net interest income on cash sweeps and margin lending, and Robinhood Gold subscriptions. Robinhood has expanded into retirement accounts, credit cards, and international trading markets. The company serves tens of millions of younger investors who began investing through Robinhood's app. Robinhood does not have a bank charter — it partners with banks for its spending account. | SoFi is a digital financial services company offering student loan refinancing, personal loans, home loans, investing, banking (SoFi Bank), and financial planning. SoFi received a bank charter in 2022 (through Galileo/Golden Pacific Bank acquisition), enabling it to take deposits, offer savings accounts with competitive APY, and lend directly from its balance sheet — creating net interest margin that significantly improves financial economics vs PFOF-dependent brokers. SoFi targets 'HENRYs' (high earners not rich yet) — professional millennials with high income and prime credit quality. |
| Investor focus | Investors monitor Robinhood's active users, ARPU, crypto trading volumes, Gold subscriber count, and expansion into credit and retirement products beyond core brokerage. | Investors focus on SoFi's member count growth, product adoption per member, net interest income from the bank charter, student loan refinancing volume (sensitive to student loan policy), and path to sustained GAAP profitability. |
HOOD strengths
- →Commission-free trading pioneer: Robinhood democratized retail investing for younger demographics who would not have invested through traditional brokers
- →Crypto trading revenue: Robinhood's crypto trading volume is significant — providing exposure to crypto market cycles through the brokerage platform
- →Robinhood Gold subscription growth: Gold subscribers pay monthly fees for premium features — a recurring revenue stream growing as users upgrade from free to premium
SOFI strengths
- →Bank charter creates net interest margin: SoFi's bank charter enables competitive deposit rates (5%+) to attract deposits that fund loan origination — generating NIM unavailable to non-bank fintechs like Robinhood
- →HENRY demographic targeting: SoFi's high-income professional demographic has prime credit quality and strong income growth trajectory — lower credit risk and higher lifetime value than mass market
- →Galileo and Technisystems B2B infrastructure: SoFi's technology services segment (Galileo payment APIs, Technisystems core banking) provides B2B revenue from other fintechs — diversifying beyond consumer financial services
Risks to watch — HOOD
- →No bank charter limits product breadth: Robinhood cannot take deposits directly or lend from a bank balance sheet — limiting NIM opportunities that SoFi captures through its bank charter
- →PFOF regulatory risk remains: payment for order flow is the primary revenue source and faces ongoing SEC regulatory scrutiny
- →Lower average account balances vs SoFi: Robinhood's younger user base has smaller average balances — limiting revenue per customer vs SoFi's focus on higher-income 'HENRYs'
Risks to watch — SOFI
- →Student loan policy sensitivity: SoFi's student loan refinancing business was decimated by Biden administration's student loan pause and forgiveness attempts — policy changes are the primary external risk
- →Path to profitability has been long: SoFi's GAAP profitability has been elusive — the company reached adjusted net income profitability but GAAP profitability requires continued loan growth discipline
- →Competition from neobanks and incumbent banks: Chime, Current, and traditional banks with improved digital offerings compete for the HENRY demographic — SoFi's premium positioning must be defended continuously
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