SCHW vs. SOFI: Charles Schwab vs. SoFi Stock Comparison

Company Profile

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

Charles Schwab (SCHW) has more than two decades of public-market history since September 22, 1987, whereas SoFi (SOFI) listed on January 4, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

SoFi (SOFI) carries a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, whereas Charles Schwab (SCHW) is closer to market-like at 0.74 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Charles Schwab (SCHW) at 21.12% 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.

Charles Schwab (SCHW) at 39.33% retains a top-quartile share of revenue as profit, ahead of SoFi (SOFI) at 15.75%, which keeps about the industry-typical share.

Both Charles Schwab (SCHW) at 52.67% and SoFi (SOFI) at 23.19% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Charles Schwab (SCHW) at 22.01% is closer to the peer norm — faster top-line expansion for SOFI.

Charles Schwab (SCHW) at 55.52% 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 SCHW.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Charles Schwab (SCHW) 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: Charles Schwab (SCHW) 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

SoFi (SOFI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Charles Schwab (SCHW) reports a yield of 1.33%, ranking against industry peers normally.

SoFi (SOFI) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Charles Schwab (SCHW) reports a payout of 21.03%, ranking against industry peers normally.

Dividend Metrics

Valuation

Charles Schwab (SCHW) at 15.64 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.

SoFi (SOFI) at 4.49 is priced about in line with its industry on P/S ratio, while Charles Schwab (SCHW) at 5.85 sits in the pricier quartile — SCHW costs more per dollar of sales.

On P/B ratio, both Charles Schwab (SCHW) at 3.08 and SoFi (SOFI) at 1.86 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics