Prudential Financial vs SoFi

Prudential Financial, Inc. and SoFi Technologies, Inc. are compared on business models, financial performance, and market context in this page. The presentation is neutral and accessible, outlining how each company approaches its market and how factors affect position. Educational content, not financial advice.

Prudential Financial, Inc. and SoFi Technologies, Inc. are compared on business models, financial performance, and market context in this page. The presentation is neutral and accessible, outlining ho...

Comparison Snapshot

Key Financial Metrics

PRU

Metric

SOFI

$37.92B

Market Cap

$32.30B

8.29%

Potential Profit

3.79%

Hold

Analyst Rating

Hold

Why It's Moving

Prudential Financial Dips on Japan CEO Exit and Weak Alternative Income Amid Broader Sector Pressures.

Japan CEO departure tied to misconduct issues erodes confidence in the unit's leadership and operational stability.
Preliminary Q4 figures revealed PGIM assets at $1.47 trillion but weaker General Account alternative income, signaling portfolio strains.
Stock opened lower around $108 amid minor institutional buys like Allstate's $1.38M stake, yet analysts hold 'Hold' consensus.

Sentiment:

🐻Bearish

SoFi's Earnings Beat Sparks Optimism as Operating Leverage Emerges

Q4 revenue surged 37.7% YoY to $949.6M, beating forecasts by over $69M and signaling robust demand across lending and fee-based services.
EPS hit $0.11 versus $0.09 expected, with FY2025 guidance at $0.37, highlighting improving margins and scalable growth.
Operating leverage is kicking in as fixed costs spread over expanding revenue streams, reducing reliance on lending and boosting cross-sell efficiency.

Sentiment:

🐃Bullish

Prudential Financial Dips on Japan CEO Exit and Weak Alternative Income Amid Broader Sector Pressures.

Japan CEO departure tied to misconduct issues erodes confidence in the unit's leadership and operational stability.
Preliminary Q4 figures revealed PGIM assets at $1.47 trillion but weaker General Account alternative income, signaling portfolio strains.
Stock opened lower around $108 amid minor institutional buys like Allstate's $1.38M stake, yet analysts hold 'Hold' consensus.

Sentiment:

🐻Bearish

SoFi's Earnings Beat Sparks Optimism as Operating Leverage Emerges

Q4 revenue surged 37.7% YoY to $949.6M, beating forecasts by over $69M and signaling robust demand across lending and fee-based services.
EPS hit $0.11 versus $0.09 expected, with FY2025 guidance at $0.37, highlighting improving margins and scalable growth.
Operating leverage is kicking in as fixed costs spread over expanding revenue streams, reducing reliance on lending and boosting cross-sell efficiency.

Sentiment:

🐃Bullish

Investment Analysis

Prudential Financial

PRU

Pros

Prudential Financial reported a 28% year-over-year increase in pretax adjusted operating income in Q3 2025, reflecting strong profitability across business segments.
The company benefits from robust alternative investment income and successful pension risk transfer transactions supporting earnings growth.
Prudential maintains a solid financial footing with a year-to-date adjusted operating return on equity exceeding 15%.

Considerations

Revenue in Q3 2025 slightly missed forecasts, coming in 0.78% below estimates, indicating some top-line pressure.
Analyst consensus yields a 'hold' rating with an average 12-month price target implying limited near-term upside potential.
Projected EPS growth and revenue forecasts show variability with some analyst expectations of negative revenue growth in 2025, posing uncertainty.

SoFi

SOFI

Pros

SoFi Technologies operates a diversified financial services platform, including lending, technology, and financial services segments.
The company has a substantial market capitalization near $32 billion, reflecting notable scale in the fintech sector.
SoFi’s CEO and leadership focus on expanding product offerings and digital engagement to drive future growth opportunities.

Considerations

SoFi trades at a relatively high price-to-earnings ratio around 49, which may imply elevated valuation risk compared to traditional financial firms.
The stock price has experienced recent volatility and downside pressure, as reflected in a near 10% decline noted in 2025.
SoFi’s operational history is shorter and less established compared to legacy financial institutions, entailing higher execution and market adoption risks.

About The Companies

Prudential Financial (PRU)

Prudential Financial, Inc. (PRU) is a diversified financial services group best known for life insurance, retirement solutions and asset management through its PGIM division. The company serves individual and institutional clients across the United States and selected international markets, balancing recurring premium income with investment and fee-based revenue. Key investor considerations include Prudential’s exposure to interest rates, credit markets and longevity/mortality trends, plus capital and regulatory requirements that influence solvency and dividend policy. The ageing population in many markets supports long-term demand for retirement and protection products, while PGIM offers diversification through asset management fees. That said, earnings can be volatile — sensitive to market movements, credit losses and shifts in actuarial assumptions. Market capitalisation is approximately $35.85 billion. This summary is educational only and not personal financial advice; investors should consider their objectives, risk tolerance and seek independent advice before acting.

SoFi (SOFI)

SoFi Technologies, Inc. (SOFI) is a US-based fintech platform that combines lending, deposit accounts, investing, insurance and advisory services under a consumer-focused membership model. The company targets younger, digitally native customers with streamlined loan refinancing, student loan assistance, personal loans, checking and savings accounts, and a brokerage app. Revenue comes from interest margin on loans and deposits, fees from financial products, and subscription or referral-based services. SoFi has grown rapidly and benefits from cross-selling opportunities, scale effects and a large digital distribution footprint, but it faces competition from traditional banks and specialist fintech rivals, as well as regulatory and credit-cycle risks. Recent priorities include improving profitability, expanding deposits, and maintaining prudent credit underwriting. Market cap sits around $34.12B. This summary is for general educational purposes only and is not personal financial advice; investors should assess suitability and risks before acting.

Prudential Financial (PRU) Next Earnings Date

Prudential Financial (PRU) is scheduled to report its next earnings on February 3, 2026, after market close. This release will cover the fourth quarter of 2025 (4Q25), with a conference call to follow on February 4, 2026. The date aligns with the company's official investor relations calendar and consensus estimates from financial analysts.

SoFi (SOFI) Next Earnings Date

SoFi Technologies (SOFI) next earnings date is confirmed for January 30, 2026, before market open. This report will cover the Q4 2025 fiscal quarter, following the prior Q3 2025 release on October 28, 2025. Investors should monitor official company channels for any updates to the schedule.

Prudential Financial (PRU) Next Earnings Date

Prudential Financial (PRU) is scheduled to report its next earnings on February 3, 2026, after market close. This release will cover the fourth quarter of 2025 (4Q25), with a conference call to follow on February 4, 2026. The date aligns with the company's official investor relations calendar and consensus estimates from financial analysts.

SoFi (SOFI) Next Earnings Date

SoFi Technologies (SOFI) next earnings date is confirmed for January 30, 2026, before market open. This report will cover the Q4 2025 fiscal quarter, following the prior Q3 2025 release on October 28, 2025. Investors should monitor official company channels for any updates to the schedule.

Which Baskets Do They Appear In?

Navigating Retirement State By State

A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.

Published: July 1, 2025

Explore Basket

Which Baskets Do They Appear In?

Navigating Retirement State By State

A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.

Published: July 1, 2025

Explore Basket

Discover More Comparisons

Prudential Financial vs Sun Life

Prudential Financial vs The Hartford

Prudential Financial vs Prudential

Prudential Financial vs Prudential: compare

Prudential Financial vs SoFi

Comparison Snapshot

Why It's Moving

Prudential Financial Dips on Japan CEO Exit and Weak Alternative Income Amid Broader Sector Pressures.

SoFi's Earnings Beat Sparks Optimism as Operating Leverage Emerges

Prudential Financial Dips on Japan CEO Exit and Weak Alternative Income Amid Broader Sector Pressures.

SoFi's Earnings Beat Sparks Optimism as Operating Leverage Emerges