SOFI vs COIN Comparison: AI Score, Valuation, Performance and Upside
SOFI holds the edge across 4 of 5 key metrics in this comparison. COIN has delivered stronger 1-year price return (-45.34% vs -46.16%), though SOFI has the better forward P/E setup (21.70x vs 68.58x for COIN). SOFI leads on both revenue growth (42.60%) and operating margin (16.96%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for SOFI (+13.58%) than for COIN (+3.99%).
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.
| Metric | SOFI | COIN |
|---|---|---|
| AI scorei | 37.5 | 24.7 |
| AI ranki | #1338 | #2767 |
| Latest closei | $15.09 | $183.81 |
| 1M returni | -11.60% | +6.80% |
| 3M returni | -12.88% | +14.53% |
| 6M returni | -20.70% | -8.01% |
| 1Y returni | -46.16% | -45.34% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | SOFI | COIN |
|---|---|---|
| 1Y ago | $5.67K (-43.3%) started 2025-10-16 | $5.57K (-44.3%) started 2025-10-16 |
| 5Y ago | $7.24K (-27.6%) started 2021-10-18 | $6.27K (-37.3%) started 2021-10-18 |
| 10Y ago | $12.37K (+23.7%) started 2021-01-04 | $5.6K (-44.0%) started 2021-04-14 |
Hypothetical — past performance does not guarantee future results.
| Metric | SOFI | COIN |
|---|---|---|
| Market capi | $23.04B | $51.25B |
| Trailing P/Ei | 36.41 | N/A |
| Forward P/Ei | 21.70 | 68.58 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 5.17 | 8.13 |
| Analyst targeti | $20.26 | $202.00 |
| Target upsidei | +13.58% | +3.99% |
| Metric | SOFI | COIN |
|---|---|---|
| Revenue growthi | 42.60% | -17.30% |
| Earnings growthi | 40.40% | N/A |
| EPS growthi | +40.40% | N/A |
| FCF margini | N/A | +44.15% |
| Operating margini | 16.96% | -13.92% |
| Profit margini | 14.91% | -16.34% |
| ROIC proxyi | 7.09% | -7.85% |
| Return on equityi | 7.09% | -7.85% |
| Dividend yieldi | N/A | N/A |
| Payout ratioi | 0.00% | 0.00% |
| Dividend growth streaki | N/A | N/A |
| Betai | 2.20 | 3.39 |
| Debt/equityi | 30.84 | 50.98 |
| Current ratioi | 1.10 | 2.42 |
| Quick ratioi | 0.46 | 1.28 |
Over the past year, SOFI and COIN have moved moderately in the same direction (correlation of 0.61), 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 | SOFI | COIN |
|---|---|---|---|
| 1Y | Growthi | -43.27% | -44.34% |
| CAGRi | -43.33% | -44.40% | |
| Volatilityi | 55.96% | 72.15% | |
| Sharpe ratioi | -0.81 | -0.52 | |
| Sortino ratioi | -1.08 | -0.78 | |
| Max drawdowni | 55.85% | 60.96% | |
| Current drawdowni | 53.15% | 49.14% | |
| Avg drawdowni | 36.30% | 43.54% | |
| Ulcer Indexi | 39.61% | 45.81% | |
| Max daily dropi | 15.44% | 13.34% | |
| Max wkly dropi | 20.11% | 26.64% | |
| 5Y | Growthi | -27.63% | -37.34% |
| CAGRi | -6.27% | -8.93% | |
| Volatilityi | 65.70% | 86.82% | |
| Sharpe ratioi | 0.16 | 0.27 | |
| Sortino ratioi | 0.23 | 0.41 | |
| Max drawdowni | 81.54% | 90.90% | |
| Current drawdowni | 53.15% | 56.21% | |
| Avg drawdowni | 52.23% | 52.92% | |
| Ulcer Indexi | 56.75% | 58.10% | |
| Max daily dropi | 15.44% | 26.40% | |
| Max wkly dropi | 24.27% | 58.72% | |
| 10Y | Growthi | +23.69% | -44.01% |
| CAGRi | +3.75% | -10.00% | |
| Volatilityi | 71.28% | 84.48% | |
| Sharpe ratioi | 0.33 | 0.24 | |
| Sortino ratioi | 0.53 | 0.37 | |
| Max drawdowni | 83.32% | 90.90% | |
| Current drawdowni | 53.15% | 56.21% | |
| Avg drawdowni | 51.68% | 50.47% | |
| Ulcer Indexi | 56.49% | 55.95% | |
| Max daily dropi | 15.44% | 26.40% | |
| Max wkly dropi | 24.27% | 58.72% |
| Category | SOFI | COIN |
|---|---|---|
| Company | SOFI | COIN |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Financial Data & Stock Exchanges |
| Core business | SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. | Coinbase Global, Inc. operates platform for crypto assets in the United States and internationally. |
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