Robinhood vs SoFi
Robinhood has the wider moat. So why does SoFi win?
The short answer
SoFi wins, 75 to 65, on growth and valuation.
Robinhood wins on moat, but SoFi's lead on valuation counts for more.
Scores
HOOD
SOFI
Price targets
HOOD
SOFI
Growth
HOOD
SOFI
AI-resilient moats · 80%
HOOD
SOFI
AI-vulnerable moats · 20%
HOOD
SOFI
Shaded cells mark the higher score or stronger moat on each row. Valuation and composite use the live price when it is available, the same as each stock page.
Robinhood or SoFi? Common questions
Which is the better stock, Robinhood or SoFi?
SoFi wins, 75 to 65, on growth and valuation. Robinhood wins on moat, but SoFi's lead on valuation counts for more. Our rating: Robinhood Speculative Buy, SoFi Accumulate.
Does Robinhood or SoFi have the wider moat?
Robinhood scores 61 on moat to SoFi's 58. Robinhood is rated stronger on network effects. SoFi is rated stronger on business logic.
Which is growing faster, Robinhood or SoFi?
SoFi scores 87 on growth to Robinhood's 77. We expect Robinhood to grow 15–22% a year, SoFi 24–30%.
Is Robinhood or SoFi cheaper right now?
SoFi scores 79 on valuation to Robinhood's 62. In our base case, SoFi has more upside: +39% vs −11%.
More head-to-heads
Scores in the answers use the price each valuation was last struck at; the table above updates with the live price. Not investment advice.