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CG vs. SOFI: Carlyle vs. SoFi Stock Comparison

How do Carlyle (CG) and SoFi (SOFI) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

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

Company profile comparison for Carlyle (CG) and SoFi (SOFI)
Profile ItemCGSOFI
NameThe Carlyle Group Inc.SoFi Technologies, Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryCapital MarketsConsumer Finance
GICS Sub-IndustryAsset Management & Custody BanksConsumer Finance
Market Capitalization14.04 billion USD21.04 billion USD
CurrencyUSDUSD
ExchangeNasdaqNasdaq
Listing DateMay 3, 2012January 4, 2021
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CG
SOFI
GSPC
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Carlyle (CG) vs. SoFi (SOFI), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Carlyle (CG) and SoFi (SOFI). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Carlyle (CG) and SoFi (SOFI). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Carlyle (CG) and SoFi (SOFI)
MetricCGSOFI
Total Return (1Y)-17.79%-40.42%
Total Return (3Y, Annualized)15.29%34.88%
Total Return (5Y, Annualized)-3.77%-5.36%

Risk Profile

Drawdown History

CG
SOFI
GSPC
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Carlyle (CG) vs. SoFi (SOFI), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Carlyle (CG) and SoFi (SOFI). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Carlyle (CG) and SoFi (SOFI)
MetricCGSOFI
Volatility (1Y, Annualized)37.89%55.56%
Beta (5Y)1.822.22
Max Drawdown (5Y)-56.75%-81.28%
Avg. Volume (3M)3.48M48.09M

Risk-Adjusted Performance

Risk-Return Positioning

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CG and SOFI are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Carlyle (CG) and SoFi (SOFI)
MetricCGSOFI
Sharpe Ratio (1Y)-0.58-0.80
Sortino Ratio (1Y)-0.81-1.09

Profitability

ROE (TTM)

Both Carlyle (CG) at 5.23% and SoFi (SOFI) at 7.35% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

CG

Financial Services industry group

5.23%

Max
44.78%
Q3
21.85%
Median
12.91%
CG
5.23%
Q1
4.48%
Min
-18.71%

SOFI

Financial Services industry group

7.35%

Max
44.78%
Q3
21.85%
Median
12.91%
SOFI
7.35%
Q1
4.48%
Min
-18.71%
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Carlyle (CG) vs. SoFi (SOFI): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Both Carlyle (CG) at 12.81% 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.

CG

Financial Services industry group

12.81%

Max
62.84%
Q3
28.05%
Median
15.36%
CG
12.81%
Q1
4.82%
Min
-28.52%

SOFI

Financial Services industry group

15.75%

Max
62.84%
Q3
28.05%
SOFI
15.75%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Carlyle (CG) vs. SoFi (SOFI): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Carlyle (CG) reports a negative operating margin of -52.93%, usually indicating that operating costs exceeded revenue at the operating-income line. Meanwhile SoFi (SOFI) reports 23.19%, ranking against industry peers normally.

CG

Financial Services industry group

-52.93%

Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
CG
-52.93%

SOFI

Financial Services industry group

23.19%

Max
107.33%
Q3
55.90%
Median
30.09%
SOFI
23.19%
Q1
14.60%
Min
-44.34%
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Carlyle (CG) vs. SoFi (SOFI): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Carlyle (CG) and SoFi (SOFI)
MetricCGSOFI
ROE (TTM)5.23%7.35%
ROA (TTM)1.27%1.31%
Net Margin (TTM)12.81%15.75%
Operating Margin (TTM)-52.93%23.19%
Gross Margin (TTM)----

Growth

Revenue Growth

SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Carlyle (CG) at -5.56% is in the bottom quartile, showing a clear gap in revenue momentum.

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Carlyle (CG) vs. SoFi (SOFI): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Carlyle (CG) at -21.30% 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.

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Carlyle (CG) vs. SoFi (SOFI): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Carlyle (CG) and SoFi (SOFI)
MetricCGSOFI
Revenue Growth (YoY)-5.56%38.32%
Revenue Growth (3Y CAGR)-1.43%31.93%
EPS Growth (YoY)-21.30%0.00%
EPS Growth (3Y CAGR)-13.34%--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Carlyle (CG) 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 / Equity (MRQ)

debt-to-equity ratio is set aside for both: Carlyle (CG) 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

Financial strength metrics for Carlyle (CG) and SoFi (SOFI)
MetricCGSOFI
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

SoFi (SOFI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Carlyle (CG) reports a yield of 3.50%, ranking against industry peers normally.

CG

Financial Services industry group

3.50%

Max
9.77%
Q3
3.92%
CG
3.50%
Median
1.09%
Q1
0.00%
Min
0.00%

SOFI

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
SOFI
0.00%
Q1
0.00%
Min
0.00%
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Carlyle (CG) vs. SoFi (SOFI): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Carlyle (CG) reports payout ratio above 100% at 147.37%, meaning dividends exceeded current-period earnings; SoFi (SOFI) pays no dividend (payout 0.00%).

CG

Financial Services industry group

147.37%

Max
241.07%
CG
147.37%
Q3
97.36%
Median
25.77%
Q1
0.00%
Min
0.00%

SOFI

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
SOFI
0.00%
Q1
0.00%
Min
0.00%
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Carlyle (CG) vs. SoFi (SOFI): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Carlyle (CG) and SoFi (SOFI)
MetricCGSOFI
Dividend Yield (TTM)3.50%0.00%
Dividend Payout Ratio (TTM)147.37%0.00%

Valuation

P/E Ratio (TTM)

Both Carlyle (CG) at 40.93 and SoFi (SOFI) at 29.47 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

CG

Financial Services industry group

40.93

Max
45.85
CG
40.93
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16

SOFI

Financial Services industry group

29.47

Max
45.85
SOFI
29.47
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Carlyle (CG) vs. SoFi (SOFI): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

SoFi (SOFI) at 4.49 is priced about in line with its industry on P/S ratio, while Carlyle (CG) at 5.06 sits in the pricier quartile — CG costs more per dollar of sales.

CG

Financial Services industry group

5.06

Max
9.23
CG
5.06
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55

SOFI

Financial Services industry group

4.49

Max
9.23
Q3
4.57
SOFI
4.49
Median
2.72
Q1
1.28
Min
-0.55
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Carlyle (CG) vs. SoFi (SOFI): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Carlyle (CG) at 2.81 and SoFi (SOFI) at 1.86 are valued close to their industries’ norm against book — neither stands out from peers.

CG

Financial Services industry group

2.81

Max
7.79
Q3
3.63
CG
2.81
Median
1.57
Q1
0.81
Min
-0.39

SOFI

Financial Services industry group

1.86

Max
7.79
Q3
3.63
SOFI
1.86
Median
1.57
Q1
0.81
Min
-0.39
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Carlyle (CG) vs. SoFi (SOFI): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Carlyle (CG) and SoFi (SOFI)
MetricCGSOFI
P/E Ratio (TTM)40.9329.47
P/S Ratio (TTM)5.064.49
P/B Ratio (MRQ)2.811.86
Free Cash Flow Yield (TTM)----