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RKT vs. SOFI: Rocket vs. SoFi Stock Comparison

How do Rocket (RKT) 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

Rocket (RKT) and SoFi (SOFI) both fall under the Financial Services industry group, but RKT is classified in Financial Services while SOFI is classified in Consumer Finance.

Company profile comparison for Rocket (RKT) and SoFi (SOFI)
Profile ItemRKTSOFI
NameRocket Companies Inc. Class A Common StockSoFi Technologies, Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesConsumer Finance
GICS Sub-IndustryCommercial & Residential Mortgage FinanceConsumer Finance
Market Capitalization42.74 billion USD21.04 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateAugust 6, 2020January 4, 2021
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

RKT
SOFI
GSPC
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Rocket (RKT) vs. SoFi (SOFI), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Rocket (RKT) and SoFi (SOFI). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Rocket (RKT) and SoFi (SOFI). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Rocket (RKT) and SoFi (SOFI)
MetricRKTSOFI
Total Return (1Y)-7.27%-40.42%
Total Return (3Y, Annualized)26.30%34.88%
Total Return (5Y, Annualized)0.22%-5.36%

Risk Profile

Drawdown History

RKT
SOFI
GSPC
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Rocket (RKT) vs. SoFi (SOFI), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Rocket (RKT) and SoFi (SOFI). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Rocket (RKT) and SoFi (SOFI)
MetricRKTSOFI
Volatility (1Y, Annualized)58.88%55.56%
Beta (5Y)2.192.22
Max Drawdown (5Y)-59.90%-81.28%
Avg. Volume (3M)34.27M48.09M

Risk-Adjusted Performance

Risk-Return Positioning

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RKT and SOFI are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Rocket (RKT) and SoFi (SOFI)
MetricRKTSOFI
Sharpe Ratio (1Y)-0.20-0.80
Sortino Ratio (1Y)-0.29-1.09

Profitability

ROE (TTM)

Both Rocket (RKT) at 7.86% 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.

RKT

Financial Services industry group

7.86%

Max
44.78%
Q3
21.85%
Median
12.91%
RKT
7.86%
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%
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Rocket (RKT) vs. SoFi (SOFI): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Both Rocket (RKT) at 11.02% 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.

RKT

Financial Services industry group

11.02%

Max
62.84%
Q3
28.05%
Median
15.36%
RKT
11.02%
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%
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Rocket (RKT) vs. SoFi (SOFI): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Rocket (RKT) at 43.54% and SoFi (SOFI) at 23.19% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

RKT

Financial Services industry group

43.54%

Max
107.33%
Q3
55.90%
RKT
43.54%
Median
30.09%
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%
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Rocket (RKT) vs. SoFi (SOFI): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Rocket (RKT) and SoFi (SOFI)
MetricRKTSOFI
ROE (TTM)7.86%7.35%
ROA (TTM)4.45%1.31%
Net Margin (TTM)11.02%15.75%
Operating Margin (TTM)43.54%23.19%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Rocket (RKT) at 26.87% and SoFi (SOFI) at 38.32% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.

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Rocket (RKT) vs. SoFi (SOFI): A comparison of their Revenue Growth across different time periods.

EPS Growth

SoFi (SOFI) at 0.00% is around its peer norm for EPS growth, while Rocket (RKT) at -123.81% drops into the bottom quartile, signaling weaker earnings momentum.

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Rocket (RKT) vs. SoFi (SOFI): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Rocket (RKT) and SoFi (SOFI)
MetricRKTSOFI
Revenue Growth (YoY)26.87%38.32%
Revenue Growth (3Y CAGR)3.25%31.93%
EPS Growth (YoY)-123.81%0.00%
EPS Growth (3Y CAGR)----

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Rocket (RKT) 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: Rocket (RKT) 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

Financial strength metrics for Rocket (RKT) and SoFi (SOFI)
MetricRKTSOFI
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

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

RKT

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
RKT
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%
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Rocket (RKT) vs. SoFi (SOFI): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

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

RKT

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
RKT
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%
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Rocket (RKT) vs. SoFi (SOFI): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Rocket (RKT) and SoFi (SOFI)
MetricRKTSOFI
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

P/E Ratio (TTM)

An earnings multiple is available for just one side: SoFi (SOFI) trades at 29.47 times trailing earnings, ranked against its peers, while Rocket (RKT) has no P/E ratio this period.

RKT

Financial Services industry group

--

Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
RKT
--

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
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Rocket (RKT) vs. SoFi (SOFI): RKT does not report P/E ratio, so it has no value marker; SOFI is benchmarked against the Financial Services industry group.

P/S Ratio (TTM)

On P/S ratio, both Rocket (RKT) at 3.61 and SoFi (SOFI) at 4.49 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

RKT

Financial Services industry group

3.61

Max
9.23
Q3
4.57
RKT
3.61
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
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Rocket (RKT) vs. SoFi (SOFI): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Rocket (RKT) at 1.76 and SoFi (SOFI) at 1.86 are valued close to their industries’ norm against book — neither stands out from peers.

RKT

Financial Services industry group

1.76

Max
7.79
Q3
3.63
RKT
1.76
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
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Rocket (RKT) vs. SoFi (SOFI): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Rocket (RKT) and SoFi (SOFI)
MetricRKTSOFI
P/E Ratio (TTM)--29.47
P/S Ratio (TTM)3.614.49
P/B Ratio (MRQ)1.761.86
Free Cash Flow Yield (TTM)----