SOFI vs SCHW Stock Comparison: AI Score, Valuation, Performance and Upside
SOFI and SCHW both sit in consumer finance but at opposite stages of maturity. SoFi is a growth business adding members and products, funded by deposits, with consumer credit as its main risk and no dividend. Schwab is a mature giant with an enormous client asset base, earning most of its revenue from net interest on client cash and from fees, paying a dividend, and growing slowly. Growth with credit risk against scale with rate sensitivity.
Use this SOFI vs SCHW comparison to see how differently the two earn from interest rates. SoFi earns a spread on loans it originates, so credit quality determines whether that spread is real. Schwab earns on client cash it holds, so the key variable is how much cash clients leave and at what cost it must be funded.
SCHW holds the edge across 4 of 5 key metrics in this comparison. SCHW leads on both 1-year return (+7.21%) and forward P/E quality (14.11x vs 21.70x for SOFI), a relatively favorable combination of momentum and valuation. On fundamentals, SOFI is growing revenue faster (42.60%), while SCHW maintains the higher operating margin (52.28%) — a classic growth-versus-profitability split. Analyst consensus implies similar upside for both: +13.58% for SOFI and +13.43% for SCHW.
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 growth exposure to digital banking and member cross-sell
- Believe fee-based and platform revenue will keep expanding the mix
- Accept consumer credit risk as the central concern
- Do not need dividend income from the position
- Want scale exposure to US retail investing and adviser custody
- Value a dividend and buybacks supported by recurring fee revenue
- Prefer a mature franchise with very high client retention
- Accept sensitivity to client cash behaviour and interest rate cycles
| Metric | SOFI | SCHW |
|---|---|---|
| AI scorei | 37.9 | 52.7 |
| AI ranki | #1325 | #330 |
| Latest closei | $16.58 | $99.03 |
| 1M returni | -12.00% | -9.47% |
| 6M returni | +8.86% | +7.22% |
| 1Y returni | -41.70% | +7.21% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | SOFI | SCHW |
|---|---|---|
| 1Y ago | $5.9K (-41.0%) started 2025-09-25 | $10.45K (+4.5%) started 2025-09-25 |
| 5Y ago | $9.37K (-6.3%) started 2021-09-27 | $14.2K (+42.0%) started 2021-09-27 |
| 10Y ago | $13.59K (+35.9%) started 2021-01-04 | $40.98K (+309.8%) started 2016-09-26 |
Hypothetical — past performance does not guarantee future results.
| Metric | SOFI | SCHW |
|---|---|---|
| Market capi | $23.04B | $190.5B |
| Trailing P/Ei | 36.41 | 20.07 |
| Forward P/Ei | 21.70 | 14.11 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 5.17 | 6.77 |
| Analyst targeti | $20.26 | $124.95 |
| Target upsidei | +13.58% | +13.43% |
| Metric | SOFI | SCHW |
|---|---|---|
| Revenue growthi | 42.60% | 20.90% |
| Earnings growthi | 40.40% | 42.60% |
| EPS growthi | +40.40% | +42.60% |
| FCF margini | N/A | N/A |
| Operating margini | 16.96% | 52.28% |
| Profit margini | 14.91% | 38.79% |
| ROIC proxyi | 7.09% | 20.27% |
| Return on equityi | 7.09% | 20.27% |
| Dividend yieldi | N/A | 1.16% |
| Payout ratioi | 0.00% | 21.49% |
| Dividend growth streaki | N/A | No increase yet |
| Betai | 2.20 | 0.75 |
| Debt/equityi | 30.84 | 151.11 |
| Current ratioi | 1.10 | 0.66 |
| Quick ratioi | 0.46 | 0.66 |
Over the past year, SOFI and SCHW have moved weakly in the same direction (correlation of 0.22), 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 | SCHW |
|---|---|---|---|
| 1Y | Growthi | -41.04% | +4.48% |
| CAGRi | -41.08% | +4.49% | |
| Volatilityi | 56.81% | 25.26% | |
| Sharpe ratioi | -0.72 | 0.12 | |
| Sortino ratioi | -0.97 | 0.16 | |
| Max drawdowni | 52.96% | 20.39% | |
| Current drawdowni | 48.53% | 12.86% | |
| Avg drawdowni | 33.50% | 7.24% | |
| Ulcer Indexi | 37.56% | 9.34% | |
| Max daily dropi | 15.44% | 7.63% | |
| Max wkly dropi | 20.11% | 13.18% | |
| 5Y | Growthi | -6.33% | +34.72% |
| CAGRi | -1.30% | +6.15% | |
| Volatilityi | 66.03% | 31.97% | |
| Sharpe ratioi | 0.24 | 0.21 | |
| Sortino ratioi | 0.36 | 0.29 | |
| Max drawdowni | 81.54% | 49.70% | |
| Current drawdowni | 48.53% | 12.86% | |
| Avg drawdowni | 51.67% | 18.58% | |
| Ulcer Indexi | 56.47% | 22.89% | |
| Max daily dropi | 15.44% | 12.77% | |
| Max wkly dropi | 24.27% | 32.23% | |
| 10Y | Growthi | +35.90% | +263.86% |
| CAGRi | +5.51% | +13.79% | |
| Volatilityi | 71.50% | 33.13% | |
| Sharpe ratioi | 0.35 | 0.42 | |
| Sortino ratioi | 0.57 | 0.60 | |
| Max drawdowni | 83.32% | 51.08% | |
| Current drawdowni | 48.53% | 12.86% | |
| Avg drawdowni | 51.68% | 17.07% | |
| Ulcer Indexi | 56.53% | 21.82% | |
| Max daily dropi | 15.44% | 12.77% | |
| Max wkly dropi | 24.27% | 32.23% |
| Category | SOFI | SCHW |
|---|---|---|
| Company | SoFi Technologies, Inc. | The Charles Schwab Corporation |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Capital Markets |
| Core business | Digital financial services company with a bank charter, spanning lending in personal, student, and home loans, financial services including deposits, investing, and credit cards, and a technology platform serving other financial companies. | The largest US retail brokerage and custodian for independent financial advisers, holding very large client assets. Revenue comes principally from net interest on client cash, asset management and administration fees, and trading. |
| Investor focus | Member and product growth, deposit costs, personal loan credit performance, fee revenue mix, and technology platform contracts. | Net new client assets, client cash levels and sorting behaviour, net interest margin, deposit costs, and capital return. |
- Bank charter enables low-cost deposit funding to support lending growth
- Rapid member growth with successful cross-sell across multiple products
- Growing fee-based revenue reduces reliance on the balance sheet
- Enormous client asset base and adviser custody franchise with high retention
- Scale advantages in cost per account that smaller competitors cannot match
- Pays a dividend and repurchases shares, supported by recurring fee revenue
- Consumer credit losses are the primary risk to earnings
- Much smaller scale than incumbent competitors in every product line
- Pays no dividend, returning nothing to shareholders directly for now
- Earnings are highly sensitive to client cash levels and to how much clients move into higher-yielding alternatives
- Rising rates prompted clients to shift cash, which pressured net interest revenue and required costly funding
- Growth is mature, driven by net new assets rather than by new product categories
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