COF vs. SOFI: Capital One Financial vs. SoFi Stock Comparison

Company Profile

Capital One Financial (COF) and SoFi (SOFI) are both classified in the Consumer Finance sub-industry within the broader Consumer Finance industry, placing them in the closest GICS peer bucket.

Capital One Financial (COF) has more than two decades of public-market history since November 16, 1994, 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 Capital One Financial (COF) is closer to market-like at 1.09 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Capital One Financial (COF) at 9.39% 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.

Both Capital One Financial (COF) at 22.23% 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 Capital One Financial (COF) at 37.83% 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

Both Capital One Financial (COF) at 36.62% and SoFi (SOFI) at 38.32% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.

SoFi (SOFI) at 0.00% is around its peer norm for EPS growth, while Capital One Financial (COF) at -65.23% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Capital One Financial (COF) 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: Capital One Financial (COF) 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 Capital One Financial (COF) reports a yield of 1.57%, 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 Capital One Financial (COF) reports a payout of 19.61%, ranking against industry peers normally.

Dividend Metrics

Valuation

Capital One Financial (COF) at 12.37 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 Capital One Financial (COF) at 2.48 and SoFi (SOFI) at 4.49 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

On P/B ratio, both Capital One Financial (COF) at 1.15 and SoFi (SOFI) at 1.86 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics