SOFI vs. USB: A Head-to-Head Stock Comparison

Updated on August 24, 2025

Here’s a clear look at SOFI and USB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	SOFI	USB
Company Name	SoFi Technologies, Inc.	U.S. Bancorp
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Consumer Finance	Banks
Market Capitalization	26.97 billion USD	72.22 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 4, 2021	May 3, 1973
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of SOFI and USB 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.

SOFI vs. USB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	SOFI	USB
5-Day Price Return	-3.31%	-0.90%
13-Week Price Return	64.02%	3.62%
26-Week Price Return	48.26%	-2.07%
52-Week Price Return	201.88%	6.30%
Month-to-Date Return	-0.27%	3.23%
Year-to-Date Return	46.23%	-2.97%
10-Day Avg. Volume	59.93M	7.23M
3-Month Avg. Volume	68.54M	9.89M
3-Month Volatility	46.66%	21.05%
Beta	1.97	1.10

Profitability

Return on Equity (TTM)

SOFI

8.58%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

SOFI’s Return on Equity of 8.58% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

USB

11.55%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

USB’s Return on Equity of 11.55% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

SOFI vs. USB: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Net Profit Margin (TTM)

SOFI

-19.79%

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

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.

USB

20.01%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, USB’s Net Profit Margin of 20.01% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

SOFI vs. USB: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Operating Profit Margin (TTM)

SOFI

-19.92%

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
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.

USB

25.22%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

USB’s Operating Profit Margin of 25.22% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

SOFI vs. USB: A comparison of their Operating Profit Margin (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Profitability at a Glance

Symbol	SOFI	USB
Return on Equity (TTM)	8.58%	11.55%
Return on Assets (TTM)	1.50%	1.01%
Net Profit Margin (TTM)	-19.79%	20.01%
Operating Profit Margin (TTM)	-19.92%	25.22%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

SOFI

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

USB

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SOFI vs. USB: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

SOFI

0.57

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

USB

1.29

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

SOFI vs. USB: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

SOFI

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

USB

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

SOFI vs. USB: A comparison of their Interest Coverage Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Financial Strength at a Glance

Symbol	SOFI	USB
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	0.57	1.29
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

SOFI vs. USB: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

SOFI vs. USB: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

SOFI

0.00%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
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.

USB

4.80%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

USB’s Dividend Yield of 4.80% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

SOFI vs. USB: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

SOFI

0.00%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
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.

USB

50.28%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

USB’s Dividend Payout Ratio of 50.28% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

SOFI vs. USB: A comparison of their Dividend Payout Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Dividend at a Glance

Symbol	SOFI	USB
Dividend Yield (TTM)	0.00%	4.80%
Dividend Payout Ratio (TTM)	0.00%	50.28%

Valuation

Price-to-Earnings Ratio (TTM)

SOFI

47.53

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

At 47.53, 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.

USB

10.48

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

USB’s P/E Ratio of 10.48 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

SOFI vs. USB: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

SOFI

3.35

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

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.

USB

2.10

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

SOFI vs. USB: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

SOFI

2.93

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
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.

USB

1.15

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

USB’s P/B Ratio of 1.15 is within the conventional range for the Banks 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 vs. USB: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Valuation at a Glance

Symbol	SOFI	USB
Price-to-Earnings Ratio (TTM)	47.53	10.48
Price-to-Sales Ratio (TTM)	3.35	2.10
Price-to-Book Ratio (MRQ)	2.93	1.15
Price-to-Free Cash Flow Ratio (TTM)	37.91	9.31