AON vs. SOFI: A Head-to-Head Stock Comparison
UpdatedHere’s a clear look at AON and SOFI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AON’s market capitalization of 75.74 billion USD is substantially larger than SOFI’s 16.13 billion USD, indicating a significant difference in their market valuations.
SOFI carries a higher beta at 1.83, indicating it’s more sensitive to market moves, while AON (beta: 0.86) exhibits greater stability.
| Symbol | AON | SOFI |
|---|---|---|
| Company Name | Aon plc | SoFi Technologies, Inc. |
| Country | IE | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Brokers | Financial - Credit Services |
| CEO | Mr. Gregory Clarence Case | Mr. Anthony J. Noto |
| Price | 350.73 USD | 14.595 USD |
| Market Cap | 75.74 billion USD | 16.13 billion USD |
| Beta | 0.86 | 1.83 |
| Exchange | NYSE | NASDAQ |
| IPO Date | June 2, 1980 | January 4, 2021 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AON and SOFI over the past year by tracking the growth of an initial $10,000 investment in each (starting one year ago).
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AON
40.40%
Insurance - Brokers Industry
- Max
- 40.40%
- Q3
- 22.72%
- Median
- 9.41%
- Q1
- -1.07%
- Min
- -12.04%
AON’s Return on Equity of 40.40% is in the upper quartile for the Insurance - Brokers industry, signaling a highly effective use of shareholder capital to drive profitability compared to most of its peers.
SOFI
7.64%
Financial - Credit Services Industry
- Max
- 34.05%
- Q3
- 17.56%
- Median
- 9.62%
- Q1
- 0.23%
- Min
- -24.63%
SOFI’s Return on Equity of 7.64% is on par with the norm for the Financial - Credit Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
AON
10.73%
Insurance - Brokers Industry
- Max
- 20.79%
- Q3
- 8.65%
- Median
- 3.33%
- Q1
- 0.11%
- Min
- -3.18%
AON’s Return on Invested Capital of 10.73% is in the upper quartile for the Insurance - Brokers industry, signifying a highly effective use of its capital to generate profits when compared to its peers.
SOFI
1.81%
Financial - Credit Services Industry
- Max
- 73.86%
- Q3
- 32.26%
- Median
- 6.09%
- Q1
- -0.21%
- Min
- -23.38%
Return on Invested Capital is not a primary measure of capital efficiency for companies in the Financial - Credit Services industry.
Net Profit Margin
AON
15.58%
Insurance - Brokers Industry
- Max
- 25.15%
- Q3
- 14.27%
- Median
- 5.25%
- Q1
- -0.48%
- Min
- -2.28%
AON’s Net Profit Margin of 15.58% is in the upper quartile for the Insurance - Brokers industry, signifying strong profitability and more effective cost management than most of its peers.
SOFI
17.36%
Financial - Credit Services Industry
- Max
- 54.97%
- Q3
- 22.68%
- Median
- 8.68%
- Q1
- 0.57%
- Min
- -16.70%
SOFI’s Net Profit Margin of 17.36% is within the central 50% of the Financial - Credit Services industry, indicating its ability to convert sales into profit is typical for the sector.
Operating Profit Margin
AON
23.42%
Insurance - Brokers Industry
- Max
- 28.73%
- Q3
- 21.60%
- Median
- 8.38%
- Q1
- 2.89%
- Min
- -1.68%
AON’s Operating Profit Margin of 23.42% is in the upper quartile for the Insurance - Brokers industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
SOFI
11.33%
Financial - Credit Services Industry
- Max
- 77.63%
- Q3
- 42.67%
- Median
- 17.26%
- Q1
- -0.64%
- Min
- -48.21%
SOFI’s Operating Profit Margin of 11.33% hovers around the midpoint for the Financial - Credit Services industry, indicating that its efficiency in managing core business operations is characteristic of the sector.
Profitability at a Glance
| Symbol | AON | SOFI |
|---|---|---|
| Return on Equity (TTM) | 40.40% | 7.64% |
| Return on Assets (TTM) | 5.07% | 1.28% |
| Return on Invested Capital (TTM) | 10.73% | 1.81% |
| Net Profit Margin (TTM) | 15.58% | 17.36% |
| Operating Profit Margin (TTM) | 23.42% | 11.33% |
| Gross Profit Margin (TTM) | 47.12% | 97.15% |
Financial Strength
Current Ratio
AON
1.05
Insurance - Brokers Industry
- Max
- 3.96
- Q3
- 2.50
- Median
- 1.44
- Q1
- 1.13
- Min
- 0.98
AON’s Current Ratio of 1.05 falls into the lower quartile for the Insurance - Brokers industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
SOFI
--
Financial - Credit Services Industry
- Max
- 11.39
- Q3
- 5.91
- Median
- 2.68
- Q1
- 1.06
- Min
- 0.15
Current Ratio data for SOFI is currently unavailable.
Debt-to-Equity Ratio
AON
2.64
Insurance - Brokers Industry
- Max
- 4.94
- Q3
- 2.38
- Median
- 0.45
- Q1
- 0.10
- Min
- 0.03
AON’s Debt-to-Equity Ratio of 2.64 is in the upper quartile for the Insurance - Brokers industry, indicating that its leverage is higher than the majority of its peers. While this can boost shareholder equity growth, it also exposes the company to greater financial vulnerability.
SOFI
0.47
Financial - Credit Services Industry
- Max
- 5.78
- Q3
- 2.52
- Median
- 0.99
- Q1
- 0.08
- Min
- 0.00
SOFI’s Debt-to-Equity Ratio of 0.47 is typical for the Financial - Credit Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio
AON
4.51
Insurance - Brokers Industry
- Max
- 17.88
- Q3
- 11.96
- Median
- 4.51
- Q1
- 2.45
- Min
- -2.72
AON’s Interest Coverage Ratio of 4.51 is positioned near the center of the pack in the Insurance - Brokers industry, indicating a standard and healthy capacity to cover its interest payments.
SOFI
0.29
Financial - Credit Services Industry
- Max
- 6.76
- Q3
- 2.74
- Median
- 1.07
- Q1
- -0.28
- Min
- -4.46
SOFI’s Interest Coverage Ratio is 0.29. A value below 1.0 means operating earnings are insufficient to cover interest expenses, indicating severe financial strain and high default risk.
Financial Strength at a Glance
| Symbol | AON | SOFI |
|---|---|---|
| Current Ratio (TTM) | 1.05 | -- |
| Quick Ratio (TTM) | 1.05 | -- |
| Debt-to-Equity Ratio (TTM) | 2.64 | 0.47 |
| Debt-to-Asset Ratio (TTM) | 0.37 | 0.08 |
| Net Debt-to-EBITDA Ratio (TTM) | 3.41 | 2.69 |
| Interest Coverage Ratio (TTM) | 4.51 | 0.29 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AON and SOFI. These metrics are based on the companies’ annual financial reports.
Revenue Growth (YoY)
EPS Growth (YoY)
Free Cash Flow Growth (YoY)
Dividend
Dividend Yield
AON
0.79%
Insurance - Brokers Industry
- Max
- 1.50%
- Q3
- 0.79%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
AON’s Dividend Yield of 0.79% is in the upper quartile for the Insurance - Brokers industry, offering a more attractive income stream than most of its peers and signaling a strong commitment to shareholder returns.
SOFI
0.00%
Financial - Credit Services Industry
- Max
- 6.87%
- Q3
- 3.05%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
SOFI currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting all earnings back into the business, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio
AON
23.00%
Insurance - Brokers Industry
- Max
- 45.22%
- Q3
- 32.73%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
AON’s payout ratio of 23.00% falls within the middle range for the Insurance - Brokers industry, suggesting a balanced approach to capital allocation that is common for the sector.
SOFI
0.00%
Financial - Credit Services Industry
- Max
- 46.34%
- Q3
- 23.80%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
SOFI has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This typically means all profits are being reinvested for growth.
Dividend at a Glance
| Symbol | AON | SOFI |
|---|---|---|
| Dividend Yield (TTM) | 0.79% | 0.00% |
| Dividend Payout Ratio (TTM) | 23.00% | 0.00% |
Valuation
Price-to-Earnings Ratio
AON
29.79
Insurance - Brokers Industry
- Max
- 57.97
- Q3
- 31.33
- Median
- 29.23
- Q1
- 13.51
- Min
- 0.13
AON’s P/E Ratio of 29.79 is comparable to the norm for the Insurance - Brokers industry, suggesting its valuation is neither at a significant premium nor a discount to its peers.
SOFI
33.27
Financial - Credit Services Industry
- Max
- 42.53
- Q3
- 21.89
- Median
- 11.06
- Q1
- 7.52
- Min
- 0.20
SOFI’s P/E Ratio of 33.27 is in the upper quartile for the Financial - Credit Services industry. This indicates investors are assigning it a premium valuation compared to its peers, likely due to strong confidence in its growth trajectory or competitive advantages.
Forward P/E to Growth Ratio
AON
2.79
Insurance - Brokers Industry
- Max
- 5.42
- Q3
- 2.80
- Median
- 2.00
- Q1
- 0.39
- Min
- 0.00
AON’s Forward PEG Ratio of 2.79 is typical for the Insurance - Brokers industry, suggesting its valuation is reasonably aligned with its growth prospects, consistent with sector norms.
SOFI
0.51
Financial - Credit Services Industry
- Max
- 2.37
- Q3
- 1.20
- Median
- 0.60
- Q1
- 0.16
- Min
- 0.00
SOFI’s Forward PEG Ratio of 0.51 is typical for the Financial - Credit Services industry, suggesting its valuation is reasonably aligned with its growth prospects, consistent with sector norms.
Price-to-Book Ratio
AON
10.84
Insurance - Brokers Industry
- Max
- 10.90
- Q3
- 7.09
- Median
- 3.68
- Q1
- 0.67
- Min
- 0.02
AON’s P/B Ratio of 10.84 is in the upper quartile for the Insurance - Brokers industry, indicating investors assign a premium valuation to its asset base compared to most of its peers.
SOFI
2.40
Financial - Credit Services Industry
- Max
- 3.66
- Q3
- 2.07
- Median
- 0.91
- Q1
- 0.61
- Min
- 0.00
SOFI’s P/B Ratio of 2.40 is in the upper quartile for the Financial - Credit Services industry, indicating investors assign a premium valuation to its asset base compared to most of its peers.
Price-to-Sales Ratio
AON
4.63
Insurance - Brokers Industry
- Max
- 6.72
- Q3
- 4.81
- Median
- 1.93
- Q1
- 0.26
- Min
- 0.01
AON’s P/S Ratio of 4.63 is valued in line with its peers in the Insurance - Brokers industry, suggesting the market’s valuation of its sales is typical for the sector.
SOFI
5.81
Financial - Credit Services Industry
- Max
- 6.29
- Q3
- 2.91
- Median
- 1.30
- Q1
- 0.53
- Min
- 0.00
SOFI’s P/S Ratio of 5.81 is in the upper quartile for the Financial - Credit Services industry. This suggests investors are paying a premium for each dollar of the company’s sales compared to its peers, indicating optimism about its growth prospects.
Valuation at a Glance
| Symbol | AON | SOFI |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 29.79 | 33.27 |
| Forward PEG Ratio (TTM) | 2.79 | 0.51 |
| Price-to-Sales Ratio (P/S, TTM) | 4.63 | 5.81 |
| Price-to-Book Ratio (P/B, TTM) | 10.84 | 2.40 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 28.69 | -7.99 |
| EV-to-EBITDA (TTM) | 18.13 | 43.92 |
| EV-to-Sales (TTM) | 5.70 | 6.19 |