SoFi vs Robinhood
This page provides a detailed comparison of SoFi and Robinhood, examining their distinct business models, recent financial performance, and positions within the current market context. Gain insights into how these two companies operate and compare without any external claims or figures. Educational content, not financial advice.
This page provides a detailed comparison of SoFi and Robinhood, examining their distinct business models, recent financial performance, and positions within the current market context. Gain insights i...
Why It's Moving
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.
HOOD Dips Amid Insider Selling Despite Strong Analyst Backing and Recent Earnings Beat
- Stock fell 2.7% on January 20 trading session, reflecting profit-taking after prior gains amid insider sales of 2.88M shares worth $358M last quarter.
- Q3 earnings crushed expectations with revenue at $1.27B (up 100% YoY) and EPS of $0.61 vs. $0.41 forecast, boosting funded accounts 10% to 26.8M.
- Analysts maintain 'Moderate Buy' consensus with $136.62 average target, highlighted by recent hikes like Citizens JMP to $180, eyeing trading platform strength.
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.
HOOD Dips Amid Insider Selling Despite Strong Analyst Backing and Recent Earnings Beat
- Stock fell 2.7% on January 20 trading session, reflecting profit-taking after prior gains amid insider sales of 2.88M shares worth $358M last quarter.
- Q3 earnings crushed expectations with revenue at $1.27B (up 100% YoY) and EPS of $0.61 vs. $0.41 forecast, boosting funded accounts 10% to 26.8M.
- Analysts maintain 'Moderate Buy' consensus with $136.62 average target, highlighted by recent hikes like Citizens JMP to $180, eyeing trading platform strength.
Investment Analysis
SoFi
SOFI
Pros
- Analysts project 147% EPS growth in 2025 and 61% in 2026, with revenue expanding 37% and 26% respectively.
- Stock rallied 70% in 2025, outperforming broader market amid uncertain macro conditions.
- Diversified business model supports scaling while enhancing profitability as a young growth company.
Considerations
- Forward P/E of 45.77 trades at more than double the industry average of 22.93, indicating stretched valuation.
- Intense competition from established banks like JPMorgan and Bank of America challenges market share.
- Elevated valuation offers limited margin for error if growth slows or margins face pressure.
Robinhood
HOOD
Pros
- Robust user growth and trading volumes drive revenue expansion in retail brokerage segment.
- Crypto trading resurgence boosts transaction-based income amid favourable market conditions.
- Product diversification into retirement accounts and credit cards broadens revenue streams.
Considerations
- Heavy dependence on volatile markets exposes earnings to trading slowdowns.
- Regulatory investigations into past practices heighten compliance and litigation risks.
- Limited profitability persists due to high operating costs relative to revenue scale.
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.
Robinhood (HOOD) Next Earnings Date
Robinhood Markets (HOOD) is scheduled to report its next earnings on February 10, 2026. This release will cover the Q4 2025 results, following the Q3 2025 report issued on November 5, 2025. Investors should monitor for updates, as dates can occasionally shift based on company announcements.
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.
Robinhood (HOOD) Next Earnings Date
Robinhood Markets (HOOD) is scheduled to report its next earnings on February 10, 2026. This release will cover the Q4 2025 results, following the Q3 2025 report issued on November 5, 2025. Investors should monitor for updates, as dates can occasionally shift based on company announcements.
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