DB vs. SOFI: Deutsche Bank vs. SoFi Stock Comparison

Company Profile

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

Deutsche Bank (DB) has more than two decades of public-market history since November 18, 1996, 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 Deutsche Bank (DB) is closer to market-like at 1.04 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Deutsche Bank (DB) at 8.98% 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 Deutsche Bank (DB) at 22.67% 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 Deutsche Bank (DB) at 33.58% 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

SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Deutsche Bank (DB) at 6.83% is closer to the peer norm — faster top-line expansion for SOFI.

Deutsche Bank (DB) at 130.39% sits in the top EPS growth quartile, while SoFi (SOFI) at 0.00% is closer to the peer norm — faster per-share earnings growth for DB.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Deutsche Bank (DB) 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: Deutsche Bank (DB) 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 Deutsche Bank (DB) reports a yield of 2.75%, 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 Deutsche Bank (DB) reports a payout of 30.04%, ranking against industry peers normally.

Dividend Metrics

Valuation

Deutsche Bank (DB) at 9.00 sits in the cheaper P/E ratio quartile, while SoFi (SOFI) at 29.47 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

On P/S ratio, both Deutsche Bank (DB) at 2.11 and SoFi (SOFI) at 4.49 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Deutsche Bank (DB) at 0.72 sits in the lower P/B ratio quartile against book while SoFi (SOFI) at 1.86 is valued near its industry’s middle — DB is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics