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

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

Company Profile

SymbolCOFSOFI
Company NameCapital One Financial CorporationSoFi Technologies, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceConsumer Finance
Market Capitalization138.76 billion USD28.51 billion USD
ExchangeNYSENasdaqGS
Listing DateNovember 16, 1994January 4, 2021
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of COF 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.

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

Historical Performance at a Glance

SymbolCOFSOFI
5-Day Price Return4.67%7.84%
13-Week Price Return8.51%69.59%
26-Week Price Return5.00%60.88%
52-Week Price Return64.22%267.44%
Month-to-Date Return0.92%5.45%
Year-to-Date Return21.67%54.61%
10-Day Avg. Volume3.53M64.12M
3-Month Avg. Volume4.71M69.50M
3-Month Volatility28.60%46.49%
Beta1.221.97

Profitability

Return on Equity (TTM)

COF

0.00%

Consumer Finance Industry

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

COF’s Return on Equity of 0.00% is in the lower quartile for the Consumer Finance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

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.

COF vs. SOFI: A comparison of their Return on Equity (TTM) against the Consumer Finance industry benchmark.

Net Profit Margin (TTM)

COF

14.90%

Consumer Finance Industry

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

COF’s Net Profit Margin of 14.90% is aligned with the median group of its peers in the Consumer Finance 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.

COF vs. SOFI: A comparison of their Net Profit Margin (TTM) against the Consumer Finance industry benchmark.

Operating Profit Margin (TTM)

COF

18.33%

Consumer Finance Industry

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

COF’s Operating Profit Margin of 18.33% is around the midpoint for the Consumer Finance 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.

COF vs. SOFI: A comparison of their Operating Profit Margin (TTM) against the Consumer Finance industry benchmark.

Profitability at a Glance

SymbolCOFSOFI
Return on Equity (TTM)0.00%8.58%
Return on Assets (TTM)0.00%1.50%
Net Profit Margin (TTM)14.90%-19.79%
Operating Profit Margin (TTM)18.33%-19.92%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

COF

--

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.

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.

COF vs. SOFI: A comparison of their Current Ratio (MRQ) against the Consumer Finance industry benchmark.

Debt-to-Equity Ratio (MRQ)

COF

0.47

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.

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.

COF vs. SOFI: A comparison of their Debt-to-Equity Ratio (MRQ) against the Consumer Finance industry benchmark.

Interest Coverage Ratio (TTM)

COF

--

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.

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.

COF vs. SOFI: A comparison of their Interest Coverage Ratio (TTM) against the Consumer Finance industry benchmark.

Financial Strength at a Glance

SymbolCOFSOFI
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)0.470.57
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

COF 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

COF 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)

COF

0.95%

Consumer Finance Industry

Max
8.31%
Q3
3.93%
Median
2.51%
Q1
0.84%
Min
0.00%

COF’s Dividend Yield of 0.95% is consistent with its peers in the Consumer Finance 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.

COF vs. SOFI: A comparison of their Dividend Yield (TTM) against the Consumer Finance industry benchmark.

Dividend Payout Ratio (TTM)

COF

23.78%

Consumer Finance Industry

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

COF’s Dividend Payout Ratio of 23.78% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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.

COF vs. SOFI: A comparison of their Dividend Payout Ratio (TTM) against the Consumer Finance industry benchmark.

Dividend at a Glance

SymbolCOFSOFI
Dividend Yield (TTM)0.95%0.00%
Dividend Payout Ratio (TTM)23.78%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

COF

28.43

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

A P/E Ratio of 28.43 places COF in the upper quartile for the Consumer Finance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

SOFI

50.26

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

At 50.26, 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.

COF vs. SOFI: A comparison of their Price-to-Earnings Ratio (TTM) against the Consumer Finance industry benchmark.

Price-to-Sales Ratio (TTM)

COF

1.12

Consumer Finance Industry

Max
4.28
Q3
2.67
Median
1.88
Q1
1.15
Min
0.55

In the lower quartile for the Consumer Finance industry, COF’s P/S Ratio of 1.12 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

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.

COF vs. SOFI: A comparison of their Price-to-Sales Ratio (TTM) against the Consumer Finance industry benchmark.

Price-to-Book Ratio (MRQ)

COF

1.23

Consumer Finance Industry

Max
3.63
Q3
2.40
Median
1.96
Q1
1.16
Min
0.26

COF’s P/B Ratio of 1.23 is within the conventional range for the Consumer Finance 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.

COF vs. SOFI: A comparison of their Price-to-Book Ratio (MRQ) against the Consumer Finance industry benchmark.

Valuation at a Glance

SymbolCOFSOFI
Price-to-Earnings Ratio (TTM)28.4350.26
Price-to-Sales Ratio (TTM)1.123.35
Price-to-Book Ratio (MRQ)1.232.93
Price-to-Free Cash Flow Ratio (TTM)7.6040.08