FUTU vs. SOFI: Futu vs. SoFi Stock Comparison

Company Profile

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

SoFi (SOFI) trades as ordinary local shares, while Futu (FUTU) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

SoFi (SOFI) has a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, while Futu (FUTU) is defensive at 0.68 and tends to be less market-sensitive — a wide gap in beta profiles.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Futu (FUTU) at 30.52% sits in the top ROE quartile, while SoFi (SOFI) at 7.35% is closer to the peer norm — stronger capital efficiency for FUTU.

Futu (FUTU) at 46.20% retains a top-quartile share of revenue as profit, ahead of SoFi (SOFI) at 15.75%, which keeps about the industry-typical share.

Futu (FUTU) at 66.75% operates in the top operating margin quartile, ahead of SoFi (SOFI) at 23.19%, which runs around its industry’s norm.

Profitability Metrics

Growth

Both companies are growing quickly, but Futu (FUTU) at 68.11% is the standout with revenue growth above its industry range; SoFi (SOFI) at 38.32% also sits in the top quartile.

Futu (FUTU) at 106.38% 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 FUTU.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Futu (FUTU) 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: Futu (FUTU) 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

Neither Futu (FUTU) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

SoFi (SOFI) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Futu (FUTU) reports a payout of 25.80%, ranking against industry peers normally.

Dividend Metrics

Valuation

Futu (FUTU) at 9.73 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.

Futu (FUTU) at 0.57 sits in the cheaper P/S ratio quartile while SoFi (SOFI) at 4.49 prices around its industry’s middle — FUTU costs less per dollar of sales, though read it alongside growth and margins.

On P/B ratio, both Futu (FUTU) at 2.75 and SoFi (SOFI) at 1.86 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics