JEF vs. SOFI: Jefferies vs. SoFi Stock Comparison
How do Jefferies (JEF) 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
Jefferies (JEF) and SoFi (SOFI) both fall under the Financial Services industry group, but JEF is classified in Capital Markets while SOFI is classified in Consumer Finance.
Jefferies (JEF) has more than two decades of public-market history since March 17, 1980, whereas SoFi (SOFI) listed on January 4, 2021 and has a much shorter record to draw on.
| Profile Item | JEF | SOFI |
|---|---|---|
| Name | Jefferies Financial Group Inc. | 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 | 10.88 billion USD | 21.04 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | March 17, 1980 | January 4, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | JEF | SOFI |
|---|---|---|
| Total Return (1Y) | -6.26% | -40.42% |
| Total Return (3Y, Annualized) | 17.02% | 34.88% |
| Total Return (5Y, Annualized) | 7.20% | -5.36% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | JEF | SOFI |
|---|---|---|
| Volatility (1Y, Annualized) | 41.25% | 55.56% |
| Beta (5Y) | 1.49 | 2.22 |
| Max Drawdown (5Y) | -54.39% | -81.28% |
| Avg. Volume (3M) | 2.20M | 48.09M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | JEF | SOFI |
|---|---|---|
| Sharpe Ratio (1Y) | -0.26 | -0.80 |
| Sortino Ratio (1Y) | -0.33 | -1.09 |
Profitability
ROE (TTM)
Both Jefferies (JEF) at 8.59% 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.
JEF
Financial Services industry group
8.59%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- JEF
- 8.59%
- 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 Jefferies (JEF) at 11.00% 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.
JEF
Financial Services industry group
11.00%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- JEF
- 11.00%
- 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)
Both Jefferies (JEF) at 15.80% and SoFi (SOFI) at 23.19% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
JEF
Financial Services industry group
15.80%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- JEF
- 15.80%
- Q1
- 14.60%
- 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 | JEF | SOFI |
|---|---|---|
| ROE (TTM) | 8.59% | 7.35% |
| ROA (TTM) | 1.21% | 1.31% |
| Net Margin (TTM) | 11.00% | 15.75% |
| Operating Margin (TTM) | 15.80% | 23.19% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Jefferies (JEF) at 2.93% is closer to the peer norm — faster top-line expansion for SOFI.
EPS Growth
Both Jefferies (JEF) at -5.35% and SoFi (SOFI) at 0.00% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | JEF | SOFI |
|---|---|---|
| Revenue Growth (YoY) | 2.93% | 38.32% |
| Revenue Growth (3Y CAGR) | 14.83% | 31.93% |
| EPS Growth (YoY) | -5.35% | 0.00% |
| EPS Growth (3Y CAGR) | -2.57% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Jefferies (JEF) 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: Jefferies (JEF) 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 | JEF | SOFI |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
SoFi (SOFI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Jefferies (JEF) reports a yield of 3.29%, ranking against industry peers normally.
JEF
Financial Services industry group
3.29%
- Max
- 9.77%
- Q3
- 3.92%
- JEF
- 3.29%
- Median
- 1.09%
- 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)
SoFi (SOFI) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Jefferies (JEF) reports a payout of 42.67%, ranking against industry peers normally.
JEF
Financial Services industry group
42.67%
- Max
- 241.07%
- Q3
- 97.36%
- JEF
- 42.67%
- Median
- 25.77%
- 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 | JEF | SOFI |
|---|---|---|
| Dividend Yield (TTM) | 3.29% | 0.00% |
| Dividend Payout Ratio (TTM) | 42.67% | 0.00% |
Valuation
P/E Ratio (TTM)
Jefferies (JEF) at 12.63 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.
JEF
Financial Services industry group
12.63
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- JEF
- 12.63
- 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)
On P/S ratio, both Jefferies (JEF) at 1.28 and SoFi (SOFI) at 4.49 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
JEF
Financial Services industry group
1.28
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- JEF
- 1.28
- 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)
On P/B ratio, both Jefferies (JEF) at 1.02 and SoFi (SOFI) at 1.86 are valued close to their industries’ norm against book — neither stands out from peers.
JEF
Financial Services industry group
1.02
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- JEF
- 1.02
- 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 | JEF | SOFI |
|---|---|---|
| P/E Ratio (TTM) | 12.63 | 29.47 |
| P/S Ratio (TTM) | 1.28 | 4.49 |
| P/B Ratio (MRQ) | 1.02 | 1.86 |
| Free Cash Flow Yield (TTM) | -- | -- |