SOFI vs. UBS: SoFi vs. UBS Stock Comparison

Company Profile

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

UBS (UBS) has more than two decades of public-market history since May 16, 2000, 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 UBS (UBS) is closer to market-like at 1.15 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Capital efficiency shows on one side only: SoFi (SOFI) earns 7.35% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.

Both SoFi (SOFI) at 15.75% and UBS (UBS) at 18.18% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Both SoFi (SOFI) at 23.19% and UBS (UBS) at 27.10% 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 UBS (UBS) at 4.30% is closer to the peer norm — faster top-line expansion for SOFI.

UBS (UBS) at 55.26% 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 UBS.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: SoFi (SOFI) in Financial Services and UBS (UBS) 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: SoFi (SOFI) in Financial Services and UBS (UBS) 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

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

SoFi (SOFI) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile UBS (UBS) reports a payout of 36.30%, ranking against industry peers normally.

Dividend Metrics

Valuation

UBS (UBS) at 15.77 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.

On P/S ratio, both SoFi (SOFI) at 4.49 and UBS (UBS) at 2.71 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

On P/B ratio, both SoFi (SOFI) at 1.86 and UBS (UBS) at 1.64 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics