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

Updated on August 24, 2025

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

Company Profile

SOFI is a standard domestic listing, while WF trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

Symbol	SOFI	WF
Company Name	SoFi Technologies, Inc.	Woori Financial Group Inc.
Country	United States	South Korea
GICS Sector	Financials	Financials
GICS Industry	Consumer Finance	Banks
Market Capitalization	26.97 billion USD	13.07 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 4, 2021	October 1, 2003
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of SOFI and WF 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. WF: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	SOFI	WF
5-Day Price Return	-3.31%	-1.78%
13-Week Price Return	64.02%	39.01%
26-Week Price Return	48.26%	51.22%
52-Week Price Return	201.88%	5.12%
Month-to-Date Return	-0.27%	0.40%
Year-to-Date Return	46.23%	61.35%
10-Day Avg. Volume	59.93M	1.34M
3-Month Avg. Volume	68.54M	2.18M
3-Month Volatility	46.66%	35.47%
Beta	1.97	1.00

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.

WF

8.49%

Banks Industry

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

WF’s Return on Equity of 8.49% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

SOFI vs. WF: 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.

WF

19.91%

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, WF’s Net Profit Margin of 19.91% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

SOFI vs. WF: 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.

WF

26.81%

Banks Industry

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

WF’s Operating Profit Margin of 26.81% 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. WF: A comparison of their Operating Profit Margin (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Profitability at a Glance

Symbol	SOFI	WF
Return on Equity (TTM)	8.58%	8.49%
Return on Assets (TTM)	1.50%	0.54%
Net Profit Margin (TTM)	-19.79%	19.91%
Operating Profit Margin (TTM)	-19.92%	26.81%
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.

WF

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. WF: 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.

WF

2.50

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. WF: 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.

WF

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

Financial Strength at a Glance

Symbol	SOFI	WF
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	0.57	2.50
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

SOFI vs. WF: 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. WF: 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.

WF

4.94%

Banks Industry

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

WF’s Dividend Yield of 4.94% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

SOFI vs. WF: 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.

WF

39.77%

Banks Industry

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

WF’s Dividend Payout Ratio of 39.77% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	SOFI	WF
Dividend Yield (TTM)	0.00%	4.94%
Dividend Payout Ratio (TTM)	0.00%	39.77%

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.

WF

6.32

Banks Industry

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

In the lower quartile for the Banks industry, WF’s P/E Ratio of 6.32 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

SOFI vs. WF: 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.

WF

0.62

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. WF: 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.

WF

0.48

Banks Industry

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

WF’s P/B Ratio of 0.48 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

SOFI vs. WF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Valuation at a Glance

Symbol	SOFI	WF
Price-to-Earnings Ratio (TTM)	47.53	6.32
Price-to-Sales Ratio (TTM)	3.35	0.62
Price-to-Book Ratio (MRQ)	2.93	0.48
Price-to-Free Cash Flow Ratio (TTM)	37.91	10.78