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

Updated on October 3, 2025

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

Company Profile

Symbol	FCNCA	SOFI
Company Name	First Citizens BancShares, Inc.	SoFi Technologies, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Consumer Finance
Market Capitalization	23.29 billion USD	33.50 billion USD
Exchange	NasdaqGS	NasdaqGS
Listing Date	October 22, 1986	January 4, 2021
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of FCNCA 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.

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

Historical Performance at a Glance

Symbol	FCNCA	SOFI
5-Day Price Return	-2.50%	-7.10%
13-Week Price Return	-8.55%	45.09%
26-Week Price Return	-4.72%	102.14%
52-Week Price Return	-3.05%	232.33%
Month-to-Date Return	-9.82%	3.45%
Year-to-Date Return	-15.33%	71.56%
10-Day Avg. Volume	0.21M	61.88M
3-Month Avg. Volume	0.12M	69.31M
3-Month Volatility	26.76%	46.59%
Beta	0.78	1.97

Profitability

Return on Equity (TTM)

FCNCA

10.70%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

FCNCA’s Return on Equity of 10.70% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

SOFI

8.58%

Consumer Finance Industry

Max: 32.87%
Q3: 21.72%
Median: 12.80%
Q1: 9.07%
Min: -3.88%

SOFI’s Return on Equity of 8.58% 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.

FCNCA vs. SOFI: A comparison of their Return on Equity (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

FCNCA

Banks Industry

Max: 54.20%
Q3: 35.73%
Median: 28.97%
Q1: 22.56%
Min: 6.98%

Net Profit Margin data for FCNCA is currently unavailable.

SOFI

-19.79%

Consumer Finance Industry

Max: 19.68%
Q3: 17.11%
Median: 13.55%
Q1: 9.71%
Min: -0.75%

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.

FCNCA vs. SOFI: A comparison of their Net Profit Margin (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

FCNCA

Banks Industry

Max: 63.35%
Q3: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

Operating Profit Margin data for FCNCA is currently unavailable.

SOFI

-19.92%

Consumer Finance Industry

Max: 50.11%
Q3: 32.02%
Median: 19.92%
Q1: 14.90%
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.

FCNCA vs. SOFI: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Profitability at a Glance

Symbol	FCNCA	SOFI
Return on Equity (TTM)	10.70%	8.58%
Return on Assets (TTM)	1.06%	1.50%
Net Profit Margin (TTM)	--	-19.79%
Operating Profit Margin (TTM)	--	-19.92%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

FCNCA

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SOFI

Consumer Finance Industry

Max: 7.85
Q3: 4.26
Median: 2.28
Q1: 0.82
Min: 0.07

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

FCNCA vs. SOFI: A comparison of their Current Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

FCNCA

1.76

Banks Industry

Max: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

SOFI

0.57

Consumer Finance Industry

Max: 6.63
Q3: 3.60
Median: 2.40
Q1: 0.99
Min: 0.23

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

FCNCA vs. SOFI: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

FCNCA

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

SOFI

Consumer Finance Industry

Max: 49.63
Q3: 28.11
Median: 4.75
Q1: 2.86
Min: -15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

FCNCA vs. SOFI: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Financial Strength at a Glance

Symbol	FCNCA	SOFI
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	1.76	0.57
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

FCNCA 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

FCNCA 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)

FCNCA

0.72%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

FCNCA’s Dividend Yield of 0.72% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

SOFI

0.00%

Consumer Finance Industry

Max: 7.21%
Q3: 3.38%
Median: 2.39%
Q1: 0.67%
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.

FCNCA vs. SOFI: A comparison of their Dividend Yield (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

FCNCA

6.76%

Banks Industry

Max: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
Min: 0.00%

FCNCA’s Dividend Payout Ratio of 6.76% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

SOFI

0.00%

Consumer Finance Industry

Max: 145.89%
Q3: 88.89%
Median: 25.97%
Q1: 9.25%
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.

FCNCA vs. SOFI: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Dividend at a Glance

Symbol	FCNCA	SOFI
Dividend Yield (TTM)	0.72%	0.00%
Dividend Payout Ratio (TTM)	6.76%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

FCNCA

9.41

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

FCNCA’s P/E Ratio of 9.41 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

SOFI

54.37

Consumer Finance Industry

Max: 35.93
Q3: 20.63
Median: 12.65
Q1: 9.73
Min: 3.96

At 54.37, 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.

FCNCA vs. SOFI: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

FCNCA

Banks Industry

Max: 4.90
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

SOFI

3.35

Consumer Finance Industry

Max: 3.79
Q3: 2.71
Median: 1.91
Q1: 1.14
Min: 0.61

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.

FCNCA vs. SOFI: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

FCNCA

1.24

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

FCNCA’s P/B Ratio of 1.24 is within the conventional range for the Banks 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: 3.80
Q3: 2.83
Median: 2.02
Q1: 1.18
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.

FCNCA vs. SOFI: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Valuation at a Glance

Symbol	FCNCA	SOFI
Price-to-Earnings Ratio (TTM)	9.41	54.37
Price-to-Sales Ratio (TTM)	--	3.35
Price-to-Book Ratio (MRQ)	1.24	2.93
Price-to-Free Cash Flow Ratio (TTM)	13.15	43.37