Last updated:
LIVE
HOOD
Robinhood Markets, Inc. · Financial Services
$86.56
-20.33% this month
VERSUS
⟷
COMPARE
SOFI
SoFi Technologies, Inc. · Financial Services
$16.31
-11.55% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
HOOD
3
SOFI
1
Comparison scoreboard
HOOD LEADS 3/5AI Score
HOOD ✓42.1
SOFI 35.3
1Y Return
HOOD ✓-16.00%
SOFI -27.77%
Fwd P/E
HOOD 28.75
SOFI ✓22.20
Target Up.
HOOD ✓+32.29%
SOFI +10.20%
Op. Margin
HOOD N/A
SOFI N/A
Metrics last refreshed: 8/4/2026
Quick take
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.
Live analysis · updated 8/4/2026
HOOD holds the edge across 3 of 5 key metrics in this comparison. HOOD has delivered stronger 1-year price return (-16.00% vs -27.77%), though SOFI has the better forward P/E setup (22.20x vs 28.75x for HOOD). Analyst consensus implies meaningfully more upside for HOOD (+32.29%) than for SOFI (+10.20%).
Normalized 1Y performance
HOOD
SOFI
Recent returns
HOOD
SOFI
Analyst price targets & sentiment
HOOD · 26 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.7/5.0)
Price target range
analyst low$57.00
analyst high$163.60
analyst mean$119.51
current price$86.56
+32.3% upside to analyst mean
SOFI · 19 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.7/5.0)
Price target range
analyst low$12.00
analyst high$30.00
analyst mean$19.87
current price$16.31
+10.2% upside to analyst mean
Who should consider this stock?
HOOD may suit investors who:
- →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
SOFI may suit investors who:
- →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
Performance & AI score
| Metric | HOOD | SOFI |
|---|---|---|
| AI score | 42.1 | 35.3 |
| AI rank | #864 | #1585 |
| Latest close | $86.56 | $16.31 |
| 1M return | -20.33% | -11.55% |
| 6M return | -14.50% | -33.05% |
| 1Y return | -16.00% | -27.77% |
$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 | $8.4K (-16.0%) started 2025-07-31 | $7.22K (-27.8%) started 2025-07-31 |
| 5Y ago | $22.97K (+129.7%) started 2021-08-02 | $10.37K (+3.7%) started 2021-08-02 |
| 10Y ago | $24.86K (+148.6%) started 2021-07-29 | $13.37K (+33.7%) started 2021-01-04 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | HOOD | SOFI |
|---|---|---|
| Market cap | $81.22B | $23.26B |
| Trailing P/E | 39.97 | 36.80 |
| Forward P/E | 28.75 | 22.20 |
| Price/Sales | 16.47 | 5.45 |
| EV/Revenue | 16.28 | 5.52 |
| Analyst target | $119.51 | $19.87 |
| Target upside | +32.29% | +10.20% |
Growth, profitability & risk
| Metric | HOOD | SOFI |
|---|---|---|
| Revenue growth | 32.30% | 42.60% |
| Earnings growth | 47.60% | 43.80% |
| EPS growth | +47.60% | +43.80% |
| FCF margin | N/A | N/A |
| Operating margin | N/A | N/A |
| Profit margin | 42.01% | 14.91% |
| ROIC proxy | 23.62% | 7.09% |
| Return on equity | 23.62% | 7.09% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 2.32 | 2.20 |
| Debt/equity | 240.28 | 30.74 |
| Current ratio | 1.12 | 1.11 |
| Quick ratio | 1.07 | 0.46 |
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 | -16.00% | -27.77% |
| CAGR | -16.01% | -27.78% | |
| Sharpe ratio | 0.04 | -0.37 | |
| Max drawdown | 57.26% | 52.96% | |
| Max daily drop | 13.24% | 15.44% | |
| Max wkly drop | 28.21% | 20.11% | |
| 5Y | Growth | +129.72% | +3.69% |
| CAGR | +18.12% | +0.73% | |
| Sharpe ratio | 0.53 | 0.27 | |
| Max drawdown | 90.21% | 81.54% | |
| Max daily drop | 27.59% | 15.44% | |
| Max wkly drop | 28.21% | 24.27% | |
| 10Y | Growth | +148.59% | +33.69% |
| CAGR | +19.96% | +5.35% | |
| Sharpe ratio | 0.55 | 0.35 | |
| 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 | 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. |
HOOD strengths
- →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
SOFI strengths
- →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
Risks to watch — HOOD
- →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
Risks to watch — SOFI
- →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
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