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BAC vs. SOFI: A Head-to-Head Stock Comparison

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Here’s a clear look at BAC and SOFI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolBACSOFI
Company NameBank of America CorporationSoFi Technologies, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksConsumer Finance
Market Capitalization358.13 billion USD26.97 billion USD
ExchangeNYSENasdaqGS
Listing DateFebruary 21, 1973January 4, 2021
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of BAC and SOFI by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BAC vs. SOFI: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolBACSOFI
5-Day Price Return1.34%-3.31%
13-Week Price Return8.00%64.02%
26-Week Price Return4.36%48.26%
52-Week Price Return21.88%201.88%
Month-to-Date Return2.28%-0.27%
Year-to-Date Return10.01%46.23%
10-Day Avg. Volume32.33M59.93M
3-Month Avg. Volume39.90M68.54M
3-Month Volatility19.69%46.66%
Beta1.361.97

Profitability

Return on Equity (TTM)

BAC

9.46%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

BAC’s Return on Equity of 9.46% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

SOFI

8.58%

Consumer Finance Industry

Max
32.87%
Q3
20.39%
Median
14.14%
Q1
7.64%
Min
-10.63%

SOFI’s Return on Equity of 8.58% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

BAC vs. SOFI: A comparison of their Return on Equity (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

BAC

30.16%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

BAC’s Net Profit Margin of 30.16% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

SOFI

-19.79%

Consumer Finance Industry

Max
19.68%
Q3
15.94%
Median
13.37%
Q1
9.73%
Min
3.66%

SOFI has a negative Net Profit Margin of -19.79%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

BAC vs. SOFI: A comparison of their Net Profit Margin (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

BAC

32.74%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

BAC’s Operating Profit Margin of 32.74% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

SOFI

-19.92%

Consumer Finance Industry

Max
50.11%
Q3
29.38%
Median
18.31%
Q1
14.26%
Min
-5.45%

SOFI has a negative Operating Profit Margin of -19.92%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

BAC vs. SOFI: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Profitability at a Glance

SymbolBACSOFI
Return on Equity (TTM)9.46%8.58%
Return on Assets (TTM)0.84%1.50%
Net Profit Margin (TTM)30.16%-19.79%
Operating Profit Margin (TTM)32.74%-19.92%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

BAC

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SOFI

--

Consumer Finance Industry

Max
5.34
Q3
4.21
Median
2.67
Q1
0.71
Min
0.20

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BAC vs. SOFI: A comparison of their Current Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BAC

2.54

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

SOFI

0.57

Consumer Finance Industry

Max
6.63
Q3
3.39
Median
2.21
Q1
0.94
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

BAC vs. SOFI: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

BAC

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

SOFI

--

Consumer Finance Industry

Max
49.63
Q3
39.33
Median
4.56
Q1
2.97
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

BAC vs. SOFI: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Financial Strength at a Glance

SymbolBACSOFI
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)2.540.57
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

BAC vs. SOFI: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BAC vs. SOFI: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BAC

2.66%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

BAC’s Dividend Yield of 2.66% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

SOFI

0.00%

Consumer Finance Industry

Max
8.31%
Q3
3.93%
Median
2.51%
Q1
0.84%
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 earnings, though it may be less typical in mature, income-oriented sectors.

BAC vs. SOFI: A comparison of their Dividend Yield (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

BAC

33.91%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

BAC’s Dividend Payout Ratio of 33.91% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

SOFI

0.00%

Consumer Finance Industry

Max
145.89%
Q3
88.53%
Median
23.79%
Q1
0.00%
Min
0.00%

SOFI has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

BAC vs. SOFI: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Dividend at a Glance

SymbolBACSOFI
Dividend Yield (TTM)2.66%0.00%
Dividend Payout Ratio (TTM)33.91%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

BAC

12.73

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

A P/E Ratio of 12.73 places BAC in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

SOFI

47.53

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

At 47.53, SOFI’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Consumer Finance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

BAC vs. SOFI: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

BAC

2.33

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

SOFI

3.35

Consumer Finance Industry

Max
4.28
Q3
2.67
Median
1.88
Q1
1.15
Min
0.55

SOFI’s P/S Ratio of 3.35 is in the upper echelon for the Consumer Finance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

BAC vs. SOFI: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

BAC

1.17

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

BAC’s P/B Ratio of 1.17 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

SOFI

2.93

Consumer Finance Industry

Max
3.63
Q3
2.40
Median
1.96
Q1
1.16
Min
0.26

SOFI’s P/B Ratio of 2.93 is in the upper tier for the Consumer Finance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

BAC vs. SOFI: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Valuation at a Glance

SymbolBACSOFI
Price-to-Earnings Ratio (TTM)12.7347.53
Price-to-Sales Ratio (TTM)2.333.35
Price-to-Book Ratio (MRQ)1.172.93
Price-to-Free Cash Flow Ratio (TTM)8.1237.91