What is the Galileo platform?

Galileo is SoFi's fintech infrastructure business, providing account management, payment processing, and banking APIs to other fintech companies and banks — it's the backend technology powering many fintech consumer apps and provides SoFi with B2B technology revenue independent of its consumer business.

How does LendingClub's marketplace model work?

LendingClub originates loans and then sells portions of them to institutional investors (asset managers, banks) through its marketplace, retaining some loans on its own balance sheet — the marketplace provides fee income and capital flexibility, but requires maintaining institutional investor appetite for the loans.

How does the interest rate environment affect these companies?

Higher interest rates typically increase borrowing costs for consumers, reducing loan demand, and can compress net interest margins if funding costs rise faster than loan rates. Both companies are sensitive to the broader credit cycle and consumer demand for installment loans.

Data as of: September 18, 2026

brimindinvest.com / compare / sofi-vs-lcLIVE

SOFI

SoFi Technologies, Inc. · Information Technology - Digital Banking & Fintech

$16.73

-5.27% this month

VERSUS

COMPARE

LC

LendingClub Corporation · Financials - Marketplace Lending

N/A

N/A this month

Comparison scoreboard

MIXED SETUP

AI Scorei

SOFI 38.5

LC N/A

1Y Returni

SOFI -38.36%

LC N/A

Fwd P/Ei

SOFI 21.70

LC N/A

Target Up.i

SOFI +13.58%

LC N/A

Op. Margini

SOFI 16.96%

LC N/A

Metrics last refreshed: 9/18/2026

Quick take

SOFI vs LC Stock Comparison: AI Score, Valuation, Performance and Upside

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Both SOFI and LC are digital banking platforms that converted from pure fintech lenders to bank charter holders, giving them deposit funding advantages. SoFi has a broader product ecosystem spanning banking, lending, and investing, plus a B2B technology platform segment, while LendingClub is more focused on personal lending with a marketplace loan sale component.

SOFI vs LC compares two fintech-turned-bank platforms competing in consumer lending and digital banking, with SoFi pursuing a broader financial services ecosystem and LendingClub focusing on personal loan origination and marketplace distribution.

Live analysis · updated 9/18/2026

SOFI and LC are closely matched — they split the tracked metrics evenly.

Want a full valuation workup? 46-section report — AI Score, Monte Carlo forecast, bull/bear case, DCF, and more.

SOFI Report

Normalized 1Y performance

SOFI

LC

Not enough data to chart yet.

Recent returns

SOFI

LC

Analyst price targets & sentiment

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.

SOFI

Price target range

analyst mean$20.26
current price$16.73

+13.6% upside to analyst mean

LC

Price target data unavailable

N/A

Who should consider this stock?

SOFI may suit investors who:

Want exposure to a broader digital banking platform with lending, banking, and investment products
Value SoFi's B2B technology platform (Galileo/Technisys) as a diversifying revenue stream
Believe member cross-sell will compound SoFi's revenue per customer over time

LC may suit investors who:

Want focused exposure to consumer personal loan origination and marketplace lending
See value in LendingClub's established personal lending brand and bank charter
Are comfortable with a more concentrated, lending-focused risk profile versus SoFi's broader product mix

Performance & AI score

Performance & AI score
Metric	SOFI	LC
AI scorei	38.5	N/A
AI ranki	#1353	N/A
Latest closei	$16.73	N/A
1M returni	-5.27%	N/A
6M returni	-2.05%	N/A
1Y returni	-38.36%	N/A

$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?

$10,000 invested — hypothetical growth (dividends reinvested)
Period	SOFI	LC
1Y ago	$5.95K (-40.5%) started 2025-09-18	N/A
5Y ago	$11.48K (+14.8%) started 2021-09-20	N/A
10Y ago	$13.71K (+37.1%) started 2021-01-04	N/A

Hypothetical — past performance does not guarantee future results.

Valuation & upside potential

Valuation & upside potential
Metric	SOFI	LC
Market capi	$23.04B	N/A
Trailing P/Ei	36.41	N/A
Forward P/Ei	21.70	N/A
Price/Salesi	N/A	1.91
EV/Revenuei	5.17	N/A
Analyst targeti	$20.26	N/A
Target upsidei	+13.58%	N/A

Full DCF model for SOFI

Growth, profitability & risk

Growth, profitability & risk
Metric	SOFI	LC
Revenue growthi	42.60%	N/A
Earnings growthi	40.40%	N/A
EPS growthi	+40.40%	N/A
FCF margini	N/A	N/A
Operating margini	16.96%	N/A
Profit margini	14.91%	N/A
ROIC proxyi	7.09%	N/A
Return on equityi	7.09%	N/A
Dividend yieldi	N/A	N/A
Payout ratioi	0.00%	N/A
Dividend growth streaki	N/A	N/A
Betai	2.20	1.64
Debt/equityi	30.84	N/A
Current ratioi	1.10	N/A
Quick ratioi	0.46	N/A

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

SOFI max drawdowni52.96%

LC max drawdowniN/A

SOFI max wkly dropi20.11%

LC max wkly dropiN/A

5Y risk snapshot

SOFI max drawdowni81.54%

LC max drawdowniN/A

SOFI max wkly dropi24.27%

LC max wkly dropiN/A

10Y risk snapshot

SOFI max drawdowni83.32%

LC max drawdowniN/A

SOFI max wkly dropi24.27%

LC max wkly dropiN/A

Performance metrics by period

Performance metrics by period
Period	Metric	SOFI	LC
1Y	Growthi	-40.48%	N/A
	CAGRi	-40.51%	N/A
	Volatilityi	56.98%	N/A
	Sharpe ratioi	-0.70	N/A
	Sortino ratioi	-0.94	N/A
	Max drawdowni	52.96%	N/A
	Current drawdowni	48.06%	N/A
	Avg drawdowni	32.98%	N/A
	Ulcer Indexi	37.02%	N/A
	Max daily dropi	15.44%	N/A
	Max wkly dropi	20.11%	N/A
5Y	Growthi	+14.82%	N/A
	CAGRi	+2.81%	N/A
	Volatilityi	66.22%	N/A
	Sharpe ratioi	0.30	N/A
	Sortino ratioi	0.45	N/A
	Max drawdowni	81.54%	N/A
	Current drawdowni	48.06%	N/A
	Avg drawdowni	51.48%	N/A
	Ulcer Indexi	56.39%	N/A
	Max daily dropi	15.44%	N/A
	Max wkly dropi	24.27%	N/A
10Y	Growthi	+37.13%	N/A
	CAGRi	+5.69%	N/A
	Volatilityi	71.60%	N/A
	Sharpe ratioi	0.36	N/A
	Sortino ratioi	0.57	N/A
	Max drawdowni	83.32%	N/A
	Current drawdowni	48.06%	N/A
	Avg drawdowni	51.70%	N/A
	Ulcer Indexi	56.56%	N/A
	Max daily dropi	15.44%	N/A
	Max wkly dropi	24.27%	N/A

AI Prediction Signali

Members only

Next 5 trading days

SOFI

+2.8%BUY

+1.1%HOLD

Next 30 trading days

SOFI

+6.4%BUY

+3.2%HOLD

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Business comparison

Business comparison
Category	SOFI	LC
Company	SoFi Technologies, Inc.	LendingClub Corporation
Sector	Financial Services	Financials - Marketplace Lending
Industry	Credit Services	N/A
Core business	SoFi is a digital personal finance company offering banking, borrowing (personal loans, student loan refinancing, mortgages), and investing products through its app, with a national bank charter providing lower-cost deposit funding.	LendingClub is a marketplace lending bank offering personal loans, auto loans, and business loans, operating as a bank (acquired Radius Bank) that originates loans and sells portions to institutional investors, retaining selected loans on its balance sheet.
Investor focus	Investors track SoFi's member growth, product cross-sell rates per member, loan origination trends, and deposit growth from its bank charter — plus its technology platform segment (Galileo, Technisys) providing B2B fintech infrastructure.	Investors track LendingClub's loan origination volumes, loan marketplace investor demand, credit quality and net charge-off rates, and the balance between held-for-investment loans and marketplace loan sales.

SOFI strengths

National bank charter provides access to lower-cost FDIC-insured deposit funding compared to non-bank lenders
Growing technology platform segment (Galileo) provides B2B revenue less correlated to SoFi's own lending cycles
Cross-sell of multiple financial products to acquired members improves unit economics over time

LC strengths

Bank charter provides deposit funding and regulatory standing for a more sustainable lending business model versus pre-bank marketplace models
Established consumer lending brand with long track record in personal loans
Marketplace model provides flexibility to sell or retain loan assets based on economics

Risks to watch — SOFI

Consumer lending sensitivity to credit cycles and interest rate environment affects origination volumes and credit quality
Student loan refinancing business was heavily impacted by federal student loan payment moratoriums
Building a full digital bank requires broad product investment, which has kept profitability in early stages

Risks to watch — LC

Consumer credit quality deterioration during economic softness increases charge-off rates and reduces marketplace investor demand
Origination volumes are sensitive to interest rate levels and consumer credit appetite
Smaller scale than SoFi with more limited product breadth and cross-sell opportunities

Frequently asked questions

Becoming a bank allows access to FDIC-insured deposits — a dramatically cheaper funding source than wholesale markets or securitization — reducing funding costs for loan origination and creating a more sustainable business model compared to relying on institutional investors to fund every loan.

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