LCID vs. SOFI: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at LCID and SOFI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | LCID | SOFI |
|---|---|---|
| Company Name | Lucid Group, Inc. | SoFi Technologies, Inc. |
| Country | United States | United States |
| GICS Sector | Consumer Discretionary | Financials |
| GICS Industry | Automobiles | Consumer Finance |
| Market Capitalization | 7.52 billion USD | 33.50 billion USD |
| Exchange | NasdaqGS | NasdaqGS |
| Listing Date | September 18, 2020 | January 4, 2021 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of LCID 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.
Historical Performance at a Glance
| Symbol | LCID | SOFI |
|---|---|---|
| 5-Day Price Return | 3.52% | -7.10% |
| 13-Week Price Return | 12.75% | 45.09% |
| 26-Week Price Return | 1.02% | 102.14% |
| 52-Week Price Return | -33.73% | 232.33% |
| Month-to-Date Return | 20.15% | 3.45% |
| Year-to-Date Return | -21.23% | 71.56% |
| 10-Day Avg. Volume | 9.96M | 61.88M |
| 3-Month Avg. Volume | 13.30M | 69.31M |
| 3-Month Volatility | 98.04% | 46.59% |
| Beta | 0.84 | 1.97 |
Profitability
Return on Equity (TTM)
LCID
-50.90%
Automobiles Industry
- Max
- 28.52%
- Q3
- 12.70%
- Median
- 5.15%
- Q1
- -1.62%
- Min
- -18.19%
LCID has a negative Return on Equity of -50.90%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.
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.
Net Profit Margin (TTM)
LCID
-247.07%
Automobiles Industry
- Max
- 8.82%
- Q3
- 5.80%
- Median
- 2.77%
- Q1
- -1.08%
- Min
- -10.15%
LCID has a negative Net Profit Margin of -247.07%, indicating the company is operating at a net loss as its expenses exceeded its revenues.
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.
Operating Profit Margin (TTM)
LCID
-310.24%
Automobiles Industry
- Max
- 13.07%
- Q3
- 6.94%
- Median
- 4.50%
- Q1
- -2.17%
- Min
- -13.85%
LCID has a negative Operating Profit Margin of -310.24%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
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.
Profitability at a Glance
| Symbol | LCID | SOFI |
|---|---|---|
| Return on Equity (TTM) | -50.90% | 8.58% |
| Return on Assets (TTM) | -25.35% | 1.50% |
| Net Profit Margin (TTM) | -247.07% | -19.79% |
| Operating Profit Margin (TTM) | -310.24% | -19.92% |
| Gross Profit Margin (TTM) | -99.26% | -- |
Financial Strength
Current Ratio (MRQ)
LCID
2.58
Automobiles Industry
- Max
- 2.13
- Q3
- 1.52
- Median
- 1.29
- Q1
- 1.09
- Min
- 0.47
LCID’s Current Ratio of 2.58 is exceptionally high, placing it well outside the typical range for the Automobiles industry. This indicates a very strong liquidity position, though such a high ratio may also suggest that the company is not using its assets efficiently to generate profits.
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.
Debt-to-Equity Ratio (MRQ)
LCID
0.58
Automobiles Industry
- Max
- 2.07
- Q3
- 1.17
- Median
- 0.60
- Q1
- 0.30
- Min
- 0.05
LCID’s Debt-to-Equity Ratio of 0.58 is typical for the Automobiles industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
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.
Interest Coverage Ratio (TTM)
LCID
-4.66
Automobiles Industry
- Max
- 77.87
- Q3
- 37.26
- Median
- 13.42
- Q1
- 1.43
- Min
- -49.07
LCID has a negative Interest Coverage Ratio of -4.66. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.
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.
Financial Strength at a Glance
| Symbol | LCID | SOFI |
|---|---|---|
| Current Ratio (MRQ) | 2.58 | -- |
| Quick Ratio (MRQ) | 2.07 | -- |
| Debt-to-Equity Ratio (MRQ) | 0.58 | 0.57 |
| Interest Coverage Ratio (TTM) | -4.66 | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
LCID
0.00%
Automobiles Industry
- Max
- 10.85%
- Q3
- 4.84%
- Median
- 2.53%
- Q1
- 0.00%
- Min
- 0.00%
LCID 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
- 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.
Dividend Payout Ratio (TTM)
LCID
0.00%
Automobiles Industry
- Max
- 131.16%
- Q3
- 60.59%
- Median
- 36.73%
- Q1
- 5.97%
- Min
- 0.00%
LCID 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
- 88.89%
- 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.
Dividend at a Glance
| Symbol | LCID | SOFI |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
LCID
--
Automobiles Industry
- Max
- 31.95
- Q3
- 22.20
- Median
- 11.17
- Q1
- 7.39
- Min
- 4.54
P/E Ratio data for LCID is currently unavailable.
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.
Price-to-Sales Ratio (TTM)
LCID
7.97
Automobiles Industry
- Max
- 1.49
- Q3
- 0.92
- Median
- 0.47
- Q1
- 0.24
- Min
- 0.09
With a P/S Ratio of 7.97, LCID trades at a valuation that eclipses even the highest in the Automobiles industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
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.
Price-to-Book Ratio (MRQ)
LCID
1.51
Automobiles Industry
- Max
- 2.87
- Q3
- 1.83
- Median
- 0.79
- Q1
- 0.47
- Min
- 0.18
LCID’s P/B Ratio of 1.51 is within the conventional range for the Automobiles 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.
Valuation at a Glance
| Symbol | LCID | SOFI |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | -- | 54.37 |
| Price-to-Sales Ratio (TTM) | 7.97 | 3.35 |
| Price-to-Book Ratio (MRQ) | 1.51 | 2.93 |
| Price-to-Free Cash Flow Ratio (TTM) | -- | 43.37 |