SOFI vs. VIRT: SoFi vs. Virtu Financial Stock Comparison
How do SoFi (SOFI) and Virtu Financial (VIRT) 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
SoFi (SOFI) and Virtu Financial (VIRT) both fall under the Financial Services industry group, but SOFI is classified in Consumer Finance while VIRT is classified in Capital Markets.
| Profile Item | SOFI | VIRT |
|---|---|---|
| Name | SoFi Technologies, Inc. | Virtu Financial Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Capital Markets |
| GICS Sub-Industry | Consumer Finance | Investment Banking & Brokerage |
| Market Capitalization | 21.04 billion USD | 11.67 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | January 4, 2021 | April 16, 2015 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SOFI | VIRT |
|---|---|---|
| Total Return (1Y) | -40.42% | 57.98% |
| Total Return (3Y, Annualized) | 34.88% | 51.24% |
| Total Return (5Y, Annualized) | -5.36% | 19.25% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
SoFi (SOFI) has a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, while Virtu Financial (VIRT) is defensive at 0.69 and tends to be less market-sensitive — a wide gap in beta profiles.
| Metric | SOFI | VIRT |
|---|---|---|
| Volatility (1Y, Annualized) | 55.56% | 37.43% |
| Beta (5Y) | 2.22 | 0.69 |
| Max Drawdown (5Y) | -81.28% | -54.52% |
| Avg. Volume (3M) | 48.09M | 1.26M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SOFI | VIRT |
|---|---|---|
| Sharpe Ratio (1Y) | -0.80 | 1.43 |
| Sortino Ratio (1Y) | -1.09 | 2.27 |
Profitability
ROE (TTM)
Virtu Financial (VIRT) at 57.03% clears its industry range for ROE, a sharper capital-efficiency signal than SoFi (SOFI) at 7.35%, which is closer to a typical peer reading.
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%
VIRT
Financial Services industry group
57.03%
- VIRT
- 57.03%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both SoFi (SOFI) at 15.75% and Virtu Financial (VIRT) at 17.96% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
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%
VIRT
Financial Services industry group
17.96%
- Max
- 62.84%
- Q3
- 28.05%
- VIRT
- 17.96%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both SoFi (SOFI) at 23.19% and Virtu Financial (VIRT) at 36.32% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
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%
VIRT
Financial Services industry group
36.32%
- Max
- 107.33%
- Q3
- 55.90%
- VIRT
- 36.32%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | SOFI | VIRT |
|---|---|---|
| ROE (TTM) | 7.35% | 57.03% |
| ROA (TTM) | 1.31% | 5.01% |
| Net Margin (TTM) | 15.75% | 17.96% |
| Operating Margin (TTM) | 23.19% | 36.32% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Virtu Financial (VIRT) at 26.25% is closer to the peer norm — faster top-line expansion for SOFI.
EPS Growth
Virtu Financial (VIRT) at 72.73% 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 VIRT.
Growth Metrics
| Metric | SOFI | VIRT |
|---|---|---|
| Revenue Growth (YoY) | 38.32% | 26.25% |
| Revenue Growth (3Y CAGR) | 31.93% | 15.38% |
| EPS Growth (YoY) | 0.00% | 72.73% |
| EPS Growth (3Y CAGR) | -- | 28.11% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: SoFi (SOFI) in Financial Services and Virtu Financial (VIRT) 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: SoFi (SOFI) in Financial Services and Virtu Financial (VIRT) 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
| Metric | SOFI | VIRT |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
SoFi (SOFI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Virtu Financial (VIRT) reports a yield of 1.78%, ranking against industry peers normally.
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%
VIRT
Financial Services industry group
1.78%
- Max
- 9.77%
- Q3
- 3.92%
- VIRT
- 1.78%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
SoFi (SOFI) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Virtu Financial (VIRT) reports a payout of 15.95%, ranking against industry peers normally.
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%
VIRT
Financial Services industry group
15.95%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- VIRT
- 15.95%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SOFI | VIRT |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.78% |
| Dividend Payout Ratio (TTM) | 0.00% | 15.95% |
Valuation
P/E Ratio (TTM)
Virtu Financial (VIRT) at 7.92 sits in the cheaper P/E ratio quartile, while SoFi (SOFI) at 29.47 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
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
VIRT
Financial Services industry group
7.92
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- VIRT
- 7.92
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both SoFi (SOFI) at 4.49 and Virtu Financial (VIRT) at 3.35 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
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
VIRT
Financial Services industry group
3.35
- Max
- 9.23
- Q3
- 4.57
- VIRT
- 3.35
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both SoFi (SOFI) at 1.86 and Virtu Financial (VIRT) at 1.92 are valued close to their industries’ norm against book — neither stands out from peers.
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
VIRT
Financial Services industry group
1.92
- Max
- 7.79
- Q3
- 3.63
- VIRT
- 1.92
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SOFI | VIRT |
|---|---|---|
| P/E Ratio (TTM) | 29.47 | 7.92 |
| P/S Ratio (TTM) | 4.49 | 3.35 |
| P/B Ratio (MRQ) | 1.86 | 1.92 |
| Free Cash Flow Yield (TTM) | -- | -- |