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 ...

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.

Comparison Snapshot

Key Financial Metrics

RKT

Metric

SOFI

$52.69B

Market Cap

$34.39B

8.84%

Potential Profit

-3.47%

Buy

Analyst Rating

Hold

Why It's Moving

Rocket Companies Director Loads Up on RSUs Amid Modest Share Sales, Signaling Board Confidence.

Director awarded 110,352 Class A RSUs on Dec 7 at $0 grant price, vesting in six semi-annual installments starting June 2026, contingent on service.
Same director sold 2,500 shares each on Dec 8 ($18.78 avg) and Dec 9 ($18.81 avg) under a pre-set Rule 10b5-1 plan, with minimal impact on large holdings.
Additional 73,568 cash-settled RSUs granted Dec 7, payable based on stock's fair market value, highlighting compensation linked to RKT's future upside.

Sentiment:

⚖️Neutral

SoFi Powers Ahead with Fresh Capital Raise as Profit Momentum Builds

Priced public stock offering expected to close December 8, providing capital for scaling operations and member growth[3].
Q3 2025 net income more than doubled year-over-year to $139.4 million, showcasing robust profitability gains[2].
Analysts spotlight SoFi as a top fast-growing financial services player, sparking 2026 upside debates[1].

Sentiment:

🐃Bullish

Rocket Companies Director Loads Up on RSUs Amid Modest Share Sales, Signaling Board Confidence.

Director awarded 110,352 Class A RSUs on Dec 7 at $0 grant price, vesting in six semi-annual installments starting June 2026, contingent on service.
Same director sold 2,500 shares each on Dec 8 ($18.78 avg) and Dec 9 ($18.81 avg) under a pre-set Rule 10b5-1 plan, with minimal impact on large holdings.
Additional 73,568 cash-settled RSUs granted Dec 7, payable based on stock's fair market value, highlighting compensation linked to RKT's future upside.

Sentiment:

⚖️Neutral

SoFi Powers Ahead with Fresh Capital Raise as Profit Momentum Builds

Priced public stock offering expected to close December 8, providing capital for scaling operations and member growth[3].
Q3 2025 net income more than doubled year-over-year to $139.4 million, showcasing robust profitability gains[2].
Analysts spotlight SoFi as a top fast-growing financial services player, sparking 2026 upside debates[1].

Sentiment:

🐃Bullish

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

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

Investment Analysis