Rocket Companies vs SoFi

Rocket Companies and SoFi Technologies, Inc. are compared on this page, illustrating how each organisation structures its business model, presents its financial performance, and the market context in which it operates. The content is neutral and accessible, aimed at readers seeking a balanced view. Educational content, not financial advice.

Rocket Companies and SoFi Technologies, Inc. are compared on this page, illustrating how each organisation structures its business model, presents its financial performance, and the market context in ...

Comparison Snapshot

Key Financial Metrics

RKT

Metric

SOFI

$62.09B

Market Cap

$32.30B

1.32%

Potential Profit

3.79%

Buy

Analyst Rating

Hold

Why It's Moving

RKT Surges on $200B Government Mortgage Boost Igniting Refinance Frenzy

Government's $200B MBS buy sent mortgage rates tumbling, fueling a surge in refinancing activity that directly benefits RKT's origination pipeline.
Stock rocketed 3.51% intraday, hitting a high of $23.60 as investors bet on sustained momentum from lower rates.
Robust Q4 revenue topped $4.9B, highlighting RKT's adaptability despite softer long-term forecasts, with a solid 15.09 price-to-sales ratio.

Sentiment:

🐃Bullish

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

RKT Surges on $200B Government Mortgage Boost Igniting Refinance Frenzy

Government's $200B MBS buy sent mortgage rates tumbling, fueling a surge in refinancing activity that directly benefits RKT's origination pipeline.
Stock rocketed 3.51% intraday, hitting a high of $23.60 as investors bet on sustained momentum from lower rates.
Robust Q4 revenue topped $4.9B, highlighting RKT's adaptability despite softer long-term forecasts, with a solid 15.09 price-to-sales ratio.

Sentiment:

🐃Bullish

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

Rocket Companies

RKT

Pros

Rocket Companies is undertaking a large-scale acquisition of Mr. Cooper Group, expected to close in Q4 2025, which could scale its mortgage servicing operations significantly.
The company operates two integrated segments—Direct to Consumer and Partner Network—leveraging performance marketing and partnerships for diversified mortgage business channels.
Rocket Companies benefits from a strong brand presence in the homeownership fintech space and has a platform facilitating efficient mortgage solutions.

Considerations

The stock’s current valuation shows a very negative P/E ratio indicating ongoing losses and uncertainty around profitability.
Rocket Companies’ share price has experienced high volatility with a wide 52-week price range, reflecting market concerns or inconsistent financial performance.
The company has zero dividend yield, offering no direct income return to shareholders while focusing on growth and integration risks from recent acquisitions.

SoFi

SOFI

Pros

SoFi reported strong Q3 2025 results with 36% year-over-year revenue growth and raised full-year guidance, showing robust operational momentum.
The firm’s expansion into diverse financial services including lending, investing, and technology platforms positions it for cross-selling and customer retention benefits.
Securing a national banking charter enables SoFi to expand its deposit base and fund loans more efficiently, improving net interest income potential.

Considerations

Despite recent gains, SoFi’s stock price forecast indicates potential declines and a bearish sentiment in the near term, with some analysts maintaining cautious views.
The company trades at a high forward price-to-earnings ratio, reflecting elevated expectations that may pressure the stock if growth slows or execution falters.
SoFi faces competitive pressures in fintech and lending markets, alongside regulatory risks related to its expanding banking and crypto-related services.

About The Companies

Rocket Companies (RKT)

Rocket Companies, Inc. (RKT) is a US-based financial services group best known for Rocket Mortgage, an online mortgage lender, alongside complementary businesses such as real-estate services and title insurance. With a market capitalisation of about $47.9bn, Rocket’s revenue depends heavily on mortgage origination volumes and refinancing activity, both sensitive to interest rates and housing market conditions. The company has invested in digital platforms and lead-generation channels to scale originations and cross-sell services, but earnings can be cyclical as rates, home sales and credit conditions change. Key risks include interest-rate sensitivity, regulatory oversight, competition from banks and fintechs, and housing-market volatility. This summary is for educational purposes only, not personalised financial advice; investments can fall as well as rise and past performance is not a guide to the future. Consider your own objectives and seek independent advice about suitability before investing.

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.

Rocket Companies (RKT) Next Earnings Date

Rocket Companies (RKT) next earnings date is estimated for Thursday, February 26, 2026, covering the Q4 2025 quarter. This projection aligns with the company's historical late-February reporting pattern for year-end results, though the date remains unconfirmed by the company. Investors should monitor official announcements for any updates.

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.

Rocket Companies (RKT) Next Earnings Date

Rocket Companies (RKT) next earnings date is estimated for Thursday, February 26, 2026, covering the Q4 2025 quarter. This projection aligns with the company's historical late-February reporting pattern for year-end results, though the date remains unconfirmed by the company. Investors should monitor official announcements for any updates.

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?

Investing Post-46,000: Which Assets May Outperform?

The Dow's historic close above 46,000 was fueled by anticipation of Federal Reserve rate cuts, signaling strong investor confidence. This creates an investment opportunity in sectors that are poised to benefit from a lower interest rate environment.

Published: September 12, 2025

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Which Baskets Do They Appear In?

Investing Post-46,000: Which Assets May Outperform?

The Dow's historic close above 46,000 was fueled by anticipation of Federal Reserve rate cuts, signaling strong investor confidence. This creates an investment opportunity in sectors that are poised to benefit from a lower interest rate environment.

Published: September 12, 2025

Explore Basket

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Comparison Snapshot

Why It's Moving

RKT Surges on $200B Government Mortgage Boost Igniting Refinance Frenzy

SoFi's Earnings Beat Sparks Optimism as Operating Leverage Emerges

RKT Surges on $200B Government Mortgage Boost Igniting Refinance Frenzy

SoFi's Earnings Beat Sparks Optimism as Operating Leverage Emerges