Last updated:
LIVE
SOFI
SoFi Technologies, Inc. · Information Technology - Digital Banking & Fintech
$16.31
-11.55% this month
VERSUS
⟷
COMPARE
LC
LendingClub Corporation · Financials - Marketplace Lending
$19.14
N/A this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
SOFI
1
LC
0
Comparison scoreboard
SOFI LEADS 1/5AI Score
SOFI ✓35.3
LC 20.7
1Y Return
SOFI -27.77%
LC N/A
Fwd P/E
SOFI 22.20
LC N/A
Target Up.
SOFI +10.20%
LC N/A
Op. Margin
SOFI N/A
LC N/A
Metrics last refreshed: 8/4/2026
Quick take
SOFI vs LC Stock Comparison: AI Score, Valuation, Performance and Upside
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 8/4/2026
SOFI holds the edge across 1 of 5 key metrics in this comparison.
Normalized 1Y performance
SOFI
LC
Recent returns
SOFI
LC
Analyst price targets & sentiment
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
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
| Metric | SOFI | LC |
|---|---|---|
| AI score | 35.3 | 20.7 |
| AI rank | #1585 | #5364 |
| Latest close | $16.31 | $19.14 |
| 1M return | -11.55% | N/A |
| 6M return | -33.05% | N/A |
| 1Y return | -27.77% | 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?
| Period | SOFI | LC |
|---|---|---|
| 1Y ago | $7.22K (-27.8%) started 2025-07-31 | $9.95K (-0.5%) started 2026-07-17 |
| 5Y ago | $10.37K (+3.7%) started 2021-08-02 | $9.95K (-0.5%) started 2026-07-17 |
| 10Y ago | $13.37K (+33.7%) started 2021-01-04 | $9.95K (-0.5%) started 2026-07-17 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | SOFI | LC |
|---|---|---|
| Market cap | $23.26B | N/A |
| Trailing P/E | 36.80 | N/A |
| Forward P/E | 22.20 | N/A |
| Price/Sales | 5.45 | 1.91 |
| EV/Revenue | 5.52 | N/A |
| Analyst target | $19.87 | N/A |
| Target upside | +10.20% | N/A |
Growth, profitability & risk
| Metric | SOFI | LC |
|---|---|---|
| Revenue growth | 42.60% | N/A |
| Earnings growth | 43.80% | N/A |
| EPS growth | +43.80% | N/A |
| FCF margin | N/A | N/A |
| Operating margin | N/A | N/A |
| Profit margin | 14.91% | N/A |
| ROIC proxy | 7.09% | N/A |
| Return on equity | 7.09% | N/A |
| Dividend yield | 0.00% | N/A |
| Beta | 2.20 | 1.91 |
| Debt/equity | 30.74 | N/A |
| Current ratio | 1.11 | N/A |
| Quick ratio | 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 drawdown52.96%
LC max drawdown6.60%
SOFI max wkly drop20.11%
LC max wkly drop6.08%
5Y risk snapshot
SOFI max drawdown81.54%
LC max drawdown6.60%
SOFI max wkly drop24.27%
LC max wkly drop6.08%
10Y risk snapshot
SOFI max drawdown83.32%
LC max drawdown6.60%
SOFI max wkly drop24.27%
LC max wkly drop6.08%
Performance metrics by period
| Period | Metric | SOFI | LC |
|---|---|---|---|
| 1Y | Growth | -27.77% | -0.47% |
| CAGR | -27.78% | -11.52% | |
| Sharpe ratio | -0.37 | N/A | |
| Max drawdown | 52.96% | 6.60% | |
| Max daily drop | 15.44% | 4.41% | |
| Max wkly drop | 20.11% | 6.08% | |
| 5Y | Growth | +3.69% | -0.47% |
| CAGR | +0.73% | -11.52% | |
| Sharpe ratio | 0.27 | N/A | |
| Max drawdown | 81.54% | 6.60% | |
| Max daily drop | 15.44% | 4.41% | |
| Max wkly drop | 24.27% | 6.08% | |
| 10Y | Growth | +33.69% | -0.47% |
| CAGR | +5.35% | -11.52% | |
| Sharpe ratio | 0.35 | N/A | |
| Max drawdown | 83.32% | 6.60% | |
| Max daily drop | 15.44% | 4.41% | |
| Max wkly drop | 24.27% | 6.08% |
Business comparison
| Category | SOFI | LC |
|---|---|---|
| Company | SoFi Technologies, Inc. | LendingClub Corporation |
| Sector | Information Technology - Digital Banking & Fintech | Financials - Marketplace Lending |
| Industry | N/A | 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
Free public comparison
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.
Related comparisons
More comparisons
Browse all 1,000 comparisons →