Robinhood Markets (Nasdaq: Hood) and Sofi Technologies (Nasdaq: Sofi) have tried to remodel the financial world since they entered the public market in 2021. Robinhood focused on the trade of zero communities with a mobile approach first. Sofi, on the other hand, was broader: loans, banking, investment and insurance on a digital platform.
The market has treated them differently in recent years. Robinhood, which was made public at $ 38 per share through a traditional OPI, now quotes about $ 94. Sofi, which merged with a SPAC and opened to $ 21.97, quotes below $ 19 despite a solid operational increase.
Robinhood: momentum moment
Robinhood found himself in the right place at the right time during the commercial boom of 2021. A wave of retail investors got into actions and cryptocurrencies, and Robinhood’s application was one of the main entry points. The company earns money mainly by paying orders, touring operations to high -speed commercial companies for a differential cut.
Since 2021, the company’s user accounts have grown modestly, from 22.7 million to 25.2 million, but custody assets increased from $ 98 billion to $ 193 billion. Income also increased, reaching $ 2.95 billion in 2024.
After a slowdown in 2022, growth recovered again. The new product lines, such as their cash card and the gold membership, added new sources of income, and their transfer to the tokenized start investments caught the holders. With interest rates that now decrease, Robinhood benefits again from investors returning to more risky assets.
Analysts project annual income from 17% to 2027, with the EBITDA that grows at a rate of 22%. International expansion and broader access to investments in the private market could help. But with a business value of $ 86.4 billion, the action is quoted 24 times the income of this year and 47 times the Ebitda, prices in great optimism.
Sofi: Reconstruction after a setback
Sofi has not been so striking, but his business has grown significantly. Between 2021 and 2024, its user base increased from 2.5 million to 10.1 million, while the use of the product increased to 14.7 million. The income doubled, reaching $ 2.61 billion.
The company faced serious winds against in recent years. A freezing of student loan payments reduces their loan business, and high interest rates caused loans to be less attractive. He also assumed new costs after becoming a bank in 2022, which compressed the margins.
Even so, Sofi’s technological infrastructure has been a quiet success. Galileo, his payment arm, now admits almost 160 million accounts. His 2022 acquisition of Technisy gave him a solid position in cloud banking technology, something that could become more valuable as more financial services move online.
Now that student loan payments have returned and rates are cooling, Sofi’s growth is beginning to recover. Analysts expect income and EBITDA to grow at annual rates of 21% and 33%, respectively, until 2027. The continuous investment of the company in its “super application” and technology could give it an advantage, since it competes both with traditional banks and with the newest finities.
Crucially, Sofi’s assessment is still relatively low. Its business value is at $ 19.3 billion, only 6 times the projected income of this year and 22 times EBITDA. That gives you more space to grow without the pressure of too high expectations.
| Metric | Robinhood (hood) | Sofi Technologies (Sofi) |
|---|---|---|
| Financed / active accounts | 25.8 million accounts financed | 10.9 million members |
| Assets / deposits of the total platform | $ 221 billion in assets in custody | $ 27.3 billion in deposits, ~ $ 36.3 billion total assets |
| P1 2025 Income | $ 927 million (+50% year -on -year) | $ 772 million (+20–33% year -on -year) |
| Q1 2025 Net income | $ 336 million (+114% year -on -year) | $ 71 million gaap (EPS $ 0.06) |
| Ebitda / Adjusted Margin (Q1 2025) | $ 470 million (~ 51% margin) | $ 210 million (~ 27% margin) |
| Net deposits / loan originations | $ 18 billion of net deposits | $ 7.2 billion in loans |
| Company Assessment (EV) | ~ $ 80–86 billion | ~ $ 19 billion |
| 2025–2027 growth perspectives | +17% Income / +22% Ebitda Cag | +21% income / +33% EBITDA CAGR |
| Key growth conductors | Crypto, Robinhood Gold, strategies, global expansion | Boils of loans, income from rates, Galileo and Technisys |
| Compiled data and summarized by Ishhook Finance using available public sources. | ||
What stock makes more sense?
Robinhood has done a good job keeping users committed and expanding to new services. But its current assessment already reflects much of that impulse. Sofi, meanwhile, had a harder stretch, but now it seems positioned for a stronger race, especially if the loan activity continues to recover.
Between the two, Sofi seems the most reasonable option with more rise if he can continue to build in his current rhythm. For investors looking for a long -term value in the Fintech space, Sofi may be the best bet on current levels.
Also read: Sofi Stock Skyrocks 151%: Could you really make you a millionaire?
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