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

Updated on August 19, 2025

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

Company Profile

FUTU trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, SOFI is a standard domestic listing.

Symbol	FUTU	SOFI
Company Name	Futu Holdings Limited	SoFi Technologies, Inc.
Country	Hong Kong	United States
GICS Sector	Financials	Financials
GICS Industry	Capital Markets	Consumer Finance
Market Capitalization	24.57 billion USD	28.51 billion USD
Exchange	NasdaqGM	NasdaqGS
Listing Date	March 8, 2019	January 4, 2021
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of FUTU 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.

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

Historical Performance at a Glance

Symbol	FUTU	SOFI
5-Day Price Return	12.70%	7.84%
13-Week Price Return	59.36%	69.59%
26-Week Price Return	81.64%	60.88%
52-Week Price Return	199.73%	267.44%
Month-to-Date Return	14.84%	5.45%
Year-to-Date Return	120.63%	54.61%
10-Day Avg. Volume	2.29M	64.12M
3-Month Avg. Volume	2.65M	69.50M
3-Month Volatility	59.74%	46.49%
Beta	0.54	1.97

Profitability

Return on Equity (TTM)

FUTU

23.06%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

In the upper quartile for the Capital Markets industry, FUTU’s Return on Equity of 23.06% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

SOFI

8.58%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

SOFI’s Return on Equity of 8.58% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

FUTU

40.05%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

A Net Profit Margin of 40.05% places FUTU in the upper quartile for the Capital Markets industry, signifying strong profitability and more effective cost management than most of its peers.

SOFI

-19.79%

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

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.

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

Operating Profit Margin (TTM)

FUTU

48.72%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

An Operating Profit Margin of 48.72% places FUTU in the upper quartile for the Capital Markets industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

SOFI

-19.92%

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
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.

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

Profitability at a Glance

Symbol	FUTU	SOFI
Return on Equity (TTM)	23.06%	8.58%
Return on Assets (TTM)	4.34%	1.50%
Net Profit Margin (TTM)	40.05%	-19.79%
Operating Profit Margin (TTM)	48.72%	-19.92%
Gross Profit Margin (TTM)	82.01%	--

Financial Strength

Current Ratio (MRQ)

FUTU

1.18

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

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

SOFI

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

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

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

Debt-to-Equity Ratio (MRQ)

FUTU

0.36

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

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

SOFI

0.57

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

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

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

Interest Coverage Ratio (TTM)

FUTU

4,725.16

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

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

SOFI

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

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

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

Financial Strength at a Glance

Symbol	FUTU	SOFI
Current Ratio (MRQ)	1.18	--
Quick Ratio (MRQ)	1.18	--
Debt-to-Equity Ratio (MRQ)	0.36	0.57
Interest Coverage Ratio (TTM)	4,725.16	--

Growth

Revenue Growth

FUTU 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

FUTU 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)

FUTU

0.00%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

FUTU 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.

SOFI

0.00%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
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.

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

Dividend Payout Ratio (TTM)

FUTU

0.00%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

FUTU 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.

SOFI

0.00%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
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.

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

Dividend at a Glance

Symbol	FUTU	SOFI
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

FUTU

8.80

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

In the lower quartile for the Capital Markets industry, FUTU’s P/E Ratio of 8.80 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

SOFI

50.26

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

At 50.26, 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.

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

Price-to-Sales Ratio (TTM)

FUTU

4.24

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

FUTU’s P/S Ratio of 4.24 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

SOFI

3.35

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

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.

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

Price-to-Book Ratio (MRQ)

FUTU

2.51

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

FUTU’s P/B Ratio of 2.51 is within the conventional range for the Capital Markets 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: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
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.

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

Valuation at a Glance

Symbol	FUTU	SOFI
Price-to-Earnings Ratio (TTM)	8.80	50.26
Price-to-Sales Ratio (TTM)	4.24	3.35
Price-to-Book Ratio (MRQ)	2.51	2.93
Price-to-Free Cash Flow Ratio (TTM)	2.82	40.08