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...

Comparison Snapshot

Key Financial Metrics

SOFI

Metric

HOOD

$32.70B

Market Cap

$96.21B

4.52%

Potential Profit

44.23%

Hold

Analyst Rating

Buy

Why It's Moving

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

Robinhood Shares Climb on Strong Trading Volume Amid Mixed Analyst Signals

Q3 earnings crushed expectations with EPS of $0.61 versus $0.41 forecast and revenue doubling YoY to $1.27B, underscoring booming trading activity.
Needham cut its price target to $135, flagging sluggish crypto trading outlook that could erode a key rally driver for the platform.
Heavy insider selling totaling over 2.9M shares worth $367M in recent months raises eyebrows on executive confidence amid the stock's volatility.

Sentiment:

🌋Volatile

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

Robinhood Shares Climb on Strong Trading Volume Amid Mixed Analyst Signals

Q3 earnings crushed expectations with EPS of $0.61 versus $0.41 forecast and revenue doubling YoY to $1.27B, underscoring booming trading activity.
Needham cut its price target to $135, flagging sluggish crypto trading outlook that could erode a key rally driver for the platform.
Heavy insider selling totaling over 2.9M shares worth $367M in recent months raises eyebrows on executive confidence amid the stock's volatility.

Sentiment:

🌋Volatile

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.

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