LIVE
SOFI
SoFi Technologies, Inc. · Information Technology - Digital Banking & Fintech
$17.91
+17.60% this month
VERSUS
⟷
COMPARE
LC
LendingClub Corporation · Financials - Marketplace Lending
$19.21
+25.97% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
SOFI
1
LC
3
Comparison scoreboard
LC LEADS 3/5AI Score
SOFI ✓36.2
LC 25.9
1Y Return
SOFI +16.60%
LC ✓+71.21%
Fwd P/E
SOFI 21.94
LC ✓8.35
Target Up.
SOFI +16.69%
LC ✓+21.03%
Op. Margin
SOFI N/A
LC N/A
Metrics last refreshed: 6/20/2026
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 6/20/2026
LC holds the edge across 3 of 5 key metrics in this comparison. LC leads on both 1-year return (+71.21%) and forward P/E (8.35x vs 21.94x for SOFI), a relatively favorable combination of momentum and valuation. Analyst consensus implies meaningfully more upside for LC (+21.03%) than for SOFI (+16.69%).
Normalized 1Y performance
SOFI
LC
Recent returns
SOFI
LC
Analyst price targets & sentiment
SOFI · 20 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.7/5.0)
Price target range
analyst low$12.00
analyst high$31.00
analyst mean$20.90
current price$17.91
+16.7% upside to analyst mean
LC · 10 analysts
STRONG BUYHOLDSTRONG SELL
Strong Buy (1.5/5.0)
Price target range
analyst low$20.00
analyst high$29.00
analyst mean$23.25
current price$19.21
+21.0% upside to analyst mean
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 | 36.2 | 25.9 |
| AI rank | #1522 | #2677 |
| Latest close | $17.91 | $19.21 |
| 1M return | +17.60% | +25.97% |
| 6M return | -29.13% | +4.52% |
| 1Y return | +16.60% | +71.21% |
$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 | $11.66K (+16.6%) started 2025-06-18 | $17.12K (+71.2%) started 2025-06-18 |
| 5Y ago | $7.77K (-22.3%) started 2021-06-18 | $10.27K (+2.7%) started 2021-06-18 |
| 10Y ago | $14.68K (+46.8%) started 2021-01-04 | $7.68K (-23.2%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | SOFI | LC |
|---|---|---|
| Market cap | $22.97B | $2.22B |
| Trailing P/E | 39.80 | 12.81 |
| Forward P/E | 21.94 | 8.35 |
| Price/Sales | 5.88 | 1.61 |
| EV/Revenue | 5.39 | 1.02 |
| Analyst target | $20.90 | $23.25 |
| Target upside | +16.69% | +21.03% |
Growth, profitability & risk
| Metric | SOFI | LC |
|---|---|---|
| Revenue growth | 42.50% | 12.50% |
| Earnings growth | 101.20% | 340.00% |
| EPS growth | +101.20% | +340.00% |
| FCF margin | N/A | +20.80% |
| Operating margin | N/A | N/A |
| Profit margin | 14.76% | 12.80% |
| ROIC proxy | 6.60% | 12.16% |
| Return on equity | 6.60% | 12.16% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 2.15 | 1.97 |
| Debt/equity | 17.72 | 0.82 |
| Current ratio | 1.12 | 2.76 |
| Quick ratio | 0.49 | 1.93 |
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 drawdown38.28%
SOFI max wkly drop20.11%
LC max wkly drop23.82%
5Y risk snapshot
SOFI max drawdown81.54%
LC max drawdown89.48%
SOFI max wkly drop24.27%
LC max wkly drop27.57%
10Y risk snapshot
SOFI max drawdown83.32%
LC max drawdown89.48%
SOFI max wkly drop24.27%
LC max wkly drop28.35%
Performance metrics by period
| Period | Metric | SOFI | LC |
|---|---|---|---|
| 1Y | Growth | +16.60% | +71.21% |
| CAGR | +16.61% | +71.28% | |
| Sharpe ratio | 0.48 | 1.17 | |
| Max drawdown | 52.96% | 38.28% | |
| Max daily drop | 15.44% | 15.99% | |
| Max wkly drop | 20.11% | 23.82% | |
| 5Y | Growth | -22.27% | +2.67% |
| CAGR | -4.91% | +0.53% | |
| Sharpe ratio | 0.19 | 0.26 | |
| Max drawdown | 81.54% | 89.48% | |
| Max daily drop | 15.44% | 29.24% | |
| Max wkly drop | 24.27% | 27.57% | |
| 10Y | Growth | +46.80% | -23.16% |
| CAGR | +7.30% | -2.60% | |
| Sharpe ratio | 0.38 | 0.20 | |
| Max drawdown | 83.32% | 89.48% | |
| Max daily drop | 15.44% | 29.24% | |
| Max wkly drop | 24.27% | 28.35% |
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
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