COIN vs. SOFI: Coinbase Global vs. SoFi Stock Comparison
How do Coinbase Global (COIN) 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
Coinbase Global (COIN) and SoFi (SOFI) both fall under the Financial Services industry group, but COIN is classified in Capital Markets while SOFI is classified in Consumer Finance.
| Profile Item | COIN | SOFI |
|---|---|---|
| Name | Coinbase Global Inc. Class A Common Stock | SoFi Technologies, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Consumer Finance |
| GICS Sub-Industry | Financial Exchanges & Data | Consumer Finance |
| Market Capitalization | 35.68 billion USD | 21.04 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | April 14, 2021 | January 4, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | COIN | SOFI |
|---|---|---|
| Total Return (1Y) | -55.52% | -40.42% |
| Total Return (3Y, Annualized) | 13.98% | 34.88% |
| Total Return (5Y, Annualized) | -17.39% | -5.36% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | COIN | SOFI |
|---|---|---|
| Volatility (1Y, Annualized) | 72.40% | 55.56% |
| Beta (5Y) | 3.33 | 2.22 |
| Max Drawdown (5Y) | -90.90% | -81.28% |
| Avg. Volume (3M) | 9.25M | 48.09M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | COIN | SOFI |
|---|---|---|
| Sharpe Ratio (1Y) | -0.83 | -0.80 |
| Sortino Ratio (1Y) | -1.21 | -1.09 |
Profitability
ROE (TTM)
Coinbase Global (COIN) reports a negative ROE of -4.68%; negative ROE can reflect losses or negative shareholders’ equity, so it is harder to read as capital efficiency. Meanwhile SoFi (SOFI) reports 7.35%, ranking against industry peers normally.
COIN
Financial Services industry group
-4.68%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- COIN
- -4.68%
- 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%
Net Margin (TTM)
Coinbase Global (COIN) reports a negative net margin of -12.89%, usually indicating a net loss over the period. Meanwhile SoFi (SOFI) reports 15.75%, ranking against industry peers normally.
COIN
Financial Services industry group
-12.89%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- COIN
- -12.89%
- 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%
Operating Margin (TTM)
Coinbase Global (COIN) reports a negative operating margin of -1.42%, usually indicating that operating costs exceeded revenue at the operating-income line. Meanwhile SoFi (SOFI) reports 23.19%, ranking against industry peers normally.
COIN
Financial Services industry group
-1.42%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- COIN
- -1.42%
- Min
- -44.34%
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%
Profitability Metrics
| Metric | COIN | SOFI |
|---|---|---|
| ROE (TTM) | -4.68% | 7.35% |
| ROA (TTM) | 0.01% | 1.31% |
| Net Margin (TTM) | -12.89% | 15.75% |
| Operating Margin (TTM) | -1.42% | 23.19% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Coinbase Global (COIN) at 9.40% is closer to the peer norm — faster top-line expansion for SOFI.
EPS Growth
SoFi (SOFI) at 0.00% is around its peer norm for EPS growth, while Coinbase Global (COIN) at -53.06% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | COIN | SOFI |
|---|---|---|
| Revenue Growth (YoY) | 9.40% | 38.32% |
| Revenue Growth (3Y CAGR) | 31.00% | 31.93% |
| EPS Growth (YoY) | -53.06% | 0.00% |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Coinbase Global (COIN) 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: Coinbase Global (COIN) 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
| Metric | COIN | SOFI |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither Coinbase Global (COIN) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
COIN
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- COIN
- 0.00%
- 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%
Dividend Payout Ratio (TTM)
Neither Coinbase Global (COIN) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
COIN
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- COIN
- 0.00%
- 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%
Dividend Metrics
| Metric | COIN | SOFI |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
An earnings multiple is available for just one side: SoFi (SOFI) trades at 29.47 times trailing earnings, ranked against its peers, while Coinbase Global (COIN) has no P/E ratio this period.
COIN
Financial Services industry group
--
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
- COIN
- --
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
P/S Ratio (TTM)
SoFi (SOFI) at 4.49 is priced about in line with its industry on P/S ratio, while Coinbase Global (COIN) at 6.56 sits in the pricier quartile — COIN costs more per dollar of sales.
COIN
Financial Services industry group
6.56
- Max
- 9.23
- COIN
- 6.56
- 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
P/B Ratio (MRQ)
On P/B ratio, both Coinbase Global (COIN) at 2.56 and SoFi (SOFI) at 1.86 are valued close to their industries’ norm against book — neither stands out from peers.
COIN
Financial Services industry group
2.56
- Max
- 7.79
- Q3
- 3.63
- COIN
- 2.56
- 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
Valuation Metrics
| Metric | COIN | SOFI |
|---|---|---|
| P/E Ratio (TTM) | -- | 29.47 |
| P/S Ratio (TTM) | 6.56 | 4.49 |
| P/B Ratio (MRQ) | 2.56 | 1.86 |
| Free Cash Flow Yield (TTM) | -- | -- |