AJG vs. SOFI: A Head-to-Head Stock Comparison
UpdatedHere’s a clear look at AJG and SOFI, comparing key factors like performance, valuation metrics, dividends, and financial strength. It’s built for investors or anyone curious to see how these two stocks match up.
Company Overview
AJG dominates in value with a market cap of 86.44 billion USD, eclipsing SOFI’s 14.15 billion USD by roughly 6.11×.
SOFI carries a higher beta at 1.85, indicating it’s more sensitive to market moves, while AJG remains steadier at 0.78.
| Symbol | AJG | SOFI |
|---|---|---|
| Company Name | Arthur J. Gallagher & Co. | SoFi Technologies, Inc. |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Brokers | Financial - Credit Services |
| CEO | Mr. J. Patrick Gallagher Jr. | Mr. Anthony J. Noto |
| Price | 337.53 USD | 12.8 USD |
| Market Cap | 86.44 billion USD | 14.15 billion USD |
| Beta | 0.78 | 1.85 |
| Exchange | NYSE | NASDAQ |
| IPO Date | June 20, 1984 | January 4, 2021 |
| ADR | No | No |
Performance Comparison
This chart compares the performance of AJG and SOFI over the past year by tracking the growth of an initial $10,000 investment in each (starting one year ago).
Hover over the lines to see the investment’s value and total return (%) at specific dates.
Data is adjusted for dividends and splits.
Valuation Metrics Comparison
The section examines key financial ratios to assess the valuation of AJG and SOFI based on earnings, cash flow, sales, and book value. Pay attention to the following notable points where extreme values stand out.
- SOFI reports a negative Price-to-Free Cash Flow ratio of -7.00, showing a cash flow shortfall that could threaten its operational sustainability, while AJG at 34.23 maintains positive cash flow.
| Symbol | AJG | SOFI |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 49.03 | 29.17 |
| Forward PEG Ratio (TTM) | 3.55 | 0.43 |
| Price-to-Sales Ratio (P/S, TTM) | 7.19 | 5.10 |
| Price-to-Book Ratio (P/B, TTM) | 3.42 | 2.10 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 34.23 | -7.00 |
| EV-to-EBITDA (TTM) | 20.83 | 38.85 |
| EV-to-Sales (TTM) | 5.87 | 5.48 |
| EV-to-Free Cash Flow (TTM) | 27.96 | -7.52 |
Dividend Comparison
AJG delivers a 0.73% dividend yield, blending income with growth, whereas SOFI appears to retain its profits, possibly to fund operations, R&D, or other growth initiatives.
| Symbol | AJG | SOFI |
|---|---|---|
| Dividend Yield (TTM) | 0.73% | 0.00% |
Financial Strength Metrics Comparison
This section dives into the financial resilience of AJG and SOFI, spotlighting key metrics like liquidity, leverage, and debt coverage. Check out the standout observations below where notable differences or extremes pop up.
- SOFI’s current ratio of 0.00 indicates its assets may not cover near-term debts, whereas AJG at 1.44 maintains healthy liquidity.
- SOFI posts a quick ratio of 0.00, indicating limited coverage of short-term debts from its most liquid assets—while AJG at 1.44 enjoys stronger liquidity resilience.
- SOFI’s low interest coverage (0.29) means it doesn't cover interest from operating earnings. AJG (at 29.40) meets its interest obligations.
| Symbol | AJG | SOFI |
|---|---|---|
| Current Ratio (TTM) | 1.44 | 0.00 |
| Quick Ratio (TTM) | 1.44 | 0.00 |
| Debt-to-Equity Ratio (TTM) | 0.04 | 0.47 |
| Debt-to-Assets Ratio (TTM) | 0.01 | 0.08 |
| Interest Coverage Ratio (TTM) | 29.40 | 0.29 |