FRHC vs. SOFI: Freedom vs. SoFi Stock Comparison
How do Freedom (FRHC) 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
Freedom (FRHC) and SoFi (SOFI) both fall under the Financial Services industry group, but FRHC is classified in Capital Markets while SOFI is classified in Consumer Finance.
| Profile Item | FRHC | SOFI |
|---|---|---|
| Name | Freedom Holding Corp. | 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 | Investment Banking & Brokerage | Consumer Finance |
| Market Capitalization | 11.41 billion USD | 21.04 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | February 7, 2018 | January 4, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FRHC | SOFI |
|---|---|---|
| Total Return (1Y) | 18.04% | -40.42% |
| Total Return (3Y, Annualized) | 28.04% | 34.88% |
| Total Return (5Y, Annualized) | 18.95% | -5.36% |
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 Freedom (FRHC) is closer to market-like at 0.71 — a noticeable difference in market-sensitivity profile.
SoFi (SOFI) is heavily traded at around 48.09M shares per day, whereas Freedom (FRHC) sees a more moderate 108.35K — larger orders in the latter may require more patience and tighter control over order sizing.
| Metric | FRHC | SOFI |
|---|---|---|
| Volatility (1Y, Annualized) | 47.01% | 55.56% |
| Beta (5Y) | 0.71 | 2.22 |
| Max Drawdown (5Y) | -45.80% | -81.28% |
| Avg. Volume (3M) | 108.35K | 48.09M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FRHC | SOFI |
|---|---|---|
| Sharpe Ratio (1Y) | 0.29 | -0.80 |
| Sortino Ratio (1Y) | 0.45 | -1.09 |
Profitability
ROE (TTM)
Both Freedom (FRHC) at 10.68% 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.
FRHC
Financial Services industry group
10.68%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- FRHC
- 10.68%
- Q1
- 4.48%
- 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)
Both Freedom (FRHC) at 8.43% 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.
FRHC
Financial Services industry group
8.43%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- FRHC
- 8.43%
- Q1
- 4.82%
- 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)
SoFi (SOFI) at 23.19% runs core operations around its industry’s norm, while Freedom (FRHC) at 5.01% operates in the bottom quartile.
FRHC
Financial Services industry group
5.01%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- FRHC
- 5.01%
- 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 | FRHC | SOFI |
|---|---|---|
| ROE (TTM) | 10.68% | 7.35% |
| ROA (TTM) | 1.24% | 1.31% |
| Net Margin (TTM) | 8.43% | 15.75% |
| Operating Margin (TTM) | 5.01% | 23.19% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Freedom (FRHC) at 8.97% is closer to the peer norm — faster top-line expansion for SOFI.
EPS Growth
Freedom (FRHC) at 98.93% 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 FRHC.
Growth Metrics
| Metric | FRHC | SOFI |
|---|---|---|
| Revenue Growth (YoY) | 8.97% | 38.32% |
| Revenue Growth (3Y CAGR) | 39.61% | 31.93% |
| EPS Growth (YoY) | 98.93% | 0.00% |
| EPS Growth (3Y CAGR) | -10.08% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Freedom (FRHC) 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: Freedom (FRHC) 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 | FRHC | SOFI |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither Freedom (FRHC) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
FRHC
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- FRHC
- 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 Freedom (FRHC) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
FRHC
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- FRHC
- 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 | FRHC | SOFI |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Both look expensive on trailing earnings: SoFi (SOFI) at 29.47 sits in the richer P/E ratio quartile, and Freedom (FRHC) at 70.97 is richer still, above its industry range.
FRHC
Financial Services industry group
70.97
- FRHC
- 70.97
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
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 Freedom (FRHC) at 6.51 sits in the pricier quartile — FRHC costs more per dollar of sales.
FRHC
Financial Services industry group
6.51
- Max
- 9.23
- FRHC
- 6.51
- 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)
SoFi (SOFI) at 1.86 is valued about in line with its industry on P/B ratio, while Freedom (FRHC) at 7.16 carries an above-peer premium to book — FRHC is pricier on assets.
FRHC
Financial Services industry group
7.16
- Max
- 7.79
- FRHC
- 7.16
- Q3
- 3.63
- 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 | FRHC | SOFI |
|---|---|---|
| P/E Ratio (TTM) | 70.97 | 29.47 |
| P/S Ratio (TTM) | 6.51 | 4.49 |
| P/B Ratio (MRQ) | 7.16 | 1.86 |
| Free Cash Flow Yield (TTM) | -- | -- |