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

$38.14B

Market Cap

$32.70B

10.38%

Potential Profit

4.52%

Hold

Analyst Rating

Hold

Why It's Moving

Prudential Financial faces headwinds from Japan leadership shakeup amid softer investment returns.

Japan CEO exit tied to staff misconduct fuels governance concerns, potentially denting confidence in Prudential's Asia operations.
PGIM AUM reached $1.47 trillion, but softer alternative investment income signals challenges in generating yields from the general account.
Preliminary unaudited Q4 figures heighten focus on execution risks ahead of full earnings, amid rising regulatory pressures.

Sentiment:

🐻Bearish

SoFi Stock Edges Higher Ahead of Q4 Earnings as Growth Momentum Builds

Stock rose 1.76% on recent session, beating S&P 500's 0.55% gain and signaling resilience amid sector rotation.
Q4 consensus forecasts 140% EPS surge to $0.12 and 32.85% revenue jump to $981.89M, building on prior beats.
Bullish options flow and quant setups point to potential upside breakout, countering premium valuation concerns.

Sentiment:

🐃Bullish

Prudential Financial faces headwinds from Japan leadership shakeup amid softer investment returns.

Japan CEO exit tied to staff misconduct fuels governance concerns, potentially denting confidence in Prudential's Asia operations.
PGIM AUM reached $1.47 trillion, but softer alternative investment income signals challenges in generating yields from the general account.
Preliminary unaudited Q4 figures heighten focus on execution risks ahead of full earnings, amid rising regulatory pressures.

Sentiment:

🐻Bearish

SoFi Stock Edges Higher Ahead of Q4 Earnings as Growth Momentum Builds

Stock rose 1.76% on recent session, beating S&P 500's 0.55% gain and signaling resilience amid sector rotation.
Q4 consensus forecasts 140% EPS surge to $0.12 and 32.85% revenue jump to $981.89M, building on prior beats.
Bullish options flow and quant setups point to potential upside breakout, countering premium valuation concerns.

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.

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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) will release its next earnings report for the fourth quarter of 2025 on Tuesday, February 3, 2026, after market close. A conference call is scheduled for the following day at 11:00 AM ET. This date has been officially announced by the company, aligning with analyst estimates.

SoFi (SOFI) Next Earnings Date

SoFi Technologies (SOFI) is scheduled to report its next earnings on Friday, January 30, 2026, before market open. This release will cover the Q4 2025 and full-year 2025 results. The conference call is set for 8:00 AM ET following the announcement.

Prudential Financial (PRU) Next Earnings Date

Prudential Financial (PRU) will release its next earnings report for the fourth quarter of 2025 on Tuesday, February 3, 2026, after market close. A conference call is scheduled for the following day at 11:00 AM ET. This date has been officially announced by the company, aligning with analyst estimates.

SoFi (SOFI) Next Earnings Date

SoFi Technologies (SOFI) is scheduled to report its next earnings on Friday, January 30, 2026, before market open. This release will cover the Q4 2025 and full-year 2025 results. The conference call is set for 8:00 AM ET following the announcement.

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

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Prudential Financial vs Prudential: compare

Prudential Financial vs SoFi

Comparison Snapshot

Why It's Moving

Prudential Financial faces headwinds from Japan leadership shakeup amid softer investment returns.

SoFi Stock Edges Higher Ahead of Q4 Earnings as Growth Momentum Builds

Prudential Financial faces headwinds from Japan leadership shakeup amid softer investment returns.

SoFi Stock Edges Higher Ahead of Q4 Earnings as Growth Momentum Builds