AMP vs. SOFI: Ameriprise Financial vs. SoFi Stock Comparison

Company Profile

Ameriprise Financial (AMP) and SoFi (SOFI) both fall under the Financial Services industry group, but AMP is classified in Capital Markets while SOFI is classified in Consumer Finance.

Ameriprise Financial (AMP) has more than two decades of public-market history since September 15, 2005, whereas SoFi (SOFI) listed on January 4, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

SoFi (SOFI) carries a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, whereas Ameriprise Financial (AMP) is closer to market-like at 1.10 — a noticeable difference in market-sensitivity profile.

SoFi (SOFI) is heavily traded at around 48.09M shares per day, whereas Ameriprise Financial (AMP) sees a more moderate 545.31K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Ameriprise Financial (AMP) at 71.98% clears its industry range for ROE, a sharper capital-efficiency signal than SoFi (SOFI) at 7.35%, which is closer to a typical peer reading.

Both Ameriprise Financial (AMP) at 20.67% and SoFi (SOFI) at 15.75% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Both Ameriprise Financial (AMP) at 36.41% and SoFi (SOFI) at 23.19% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Ameriprise Financial (AMP) at 7.04% is closer to the peer norm — faster top-line expansion for SOFI.

Both Ameriprise Financial (AMP) at 9.77% and SoFi (SOFI) at 0.00% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Ameriprise Financial (AMP) in Financial Services and SoFi (SOFI) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Ameriprise Financial (AMP) in Financial Services and SoFi (SOFI) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

SoFi (SOFI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Ameriprise Financial (AMP) reports a yield of 1.30%, ranking against industry peers normally.

SoFi (SOFI) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Ameriprise Financial (AMP) reports a payout of 14.86%, ranking against industry peers normally.

Dividend Metrics

Valuation

Ameriprise Financial (AMP) at 11.29 is near its industry’s usual P/E ratio, while SoFi (SOFI) at 29.47 sits in the richer quartile — SOFI needs stronger growth or earnings quality to justify the premium.

On P/S ratio, both Ameriprise Financial (AMP) at 2.16 and SoFi (SOFI) at 4.49 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

SoFi (SOFI) at 1.86 sits near its industry’s typical P/B ratio, while Ameriprise Financial (AMP) at 8.54 prices above its benchmark range — AMP looks rich relative to book.

Valuation Metrics