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

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

Company Profile

SymbolSOFIWRB
Company NameSoFi Technologies, Inc.W. R. Berkley Corporation
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceInsurance
Market Capitalization31.56 billion USD29.15 billion USD
ExchangeNasdaqGSNYSE
Listing DateJanuary 4, 2021October 23, 1973
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolSOFIWRB
5-Day Price Return-0.23%1.10%
13-Week Price Return37.01%7.51%
26-Week Price Return121.33%8.01%
52-Week Price Return236.65%33.37%
Month-to-Date Return-0.23%0.31%
Year-to-Date Return71.17%31.34%
10-Day Avg. Volume65.72M1.98M
3-Month Avg. Volume70.63M1.93M
3-Month Volatility45.98%16.17%
Beta1.970.40

Profitability

Return on Equity (TTM)

SOFI

8.58%

Consumer Finance Industry

Max
32.87%
Q3
21.72%
Median
12.80%
Q1
9.07%
Min
-3.88%

SOFI’s Return on Equity of 8.58% is in the lower quartile for the Consumer Finance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

WRB

20.10%

Insurance Industry

Max
30.96%
Q3
18.76%
Median
14.22%
Q1
10.34%
Min
1.73%

In the upper quartile for the Insurance industry, WRB’s Return on Equity of 20.10% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

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

Net Profit Margin (TTM)

SOFI

-19.79%

Consumer Finance Industry

Max
19.68%
Q3
17.11%
Median
13.55%
Q1
9.71%
Min
-0.75%

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.

WRB

12.32%

Insurance Industry

Max
26.78%
Q3
14.69%
Median
9.87%
Q1
6.59%
Min
-3.51%

WRB’s Net Profit Margin of 12.32% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

SOFI

-19.92%

Consumer Finance Industry

Max
50.11%
Q3
32.02%
Median
19.92%
Q1
14.90%
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.

WRB

16.84%

Insurance Industry

Max
34.52%
Q3
20.17%
Median
14.46%
Q1
9.62%
Min
-2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

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

Profitability at a Glance

SymbolSOFIWRB
Return on Equity (TTM)8.58%20.10%
Return on Assets (TTM)1.50%4.27%
Net Profit Margin (TTM)-19.79%12.32%
Operating Profit Margin (TTM)-19.92%16.84%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

SOFI

--

Consumer Finance Industry

Max
7.85
Q3
4.26
Median
2.28
Q1
0.82
Min
0.07

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

WRB

0.92

Insurance Industry

Max
2.97
Q3
1.37
Median
0.54
Q1
0.15
Min
0.00

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

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

Debt-to-Equity Ratio (MRQ)

SOFI

0.57

Consumer Finance Industry

Max
6.63
Q3
3.60
Median
2.40
Q1
0.99
Min
0.23

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

WRB

0.31

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.23
Min
0.00

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

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

Interest Coverage Ratio (TTM)

SOFI

--

Consumer Finance Industry

Max
49.63
Q3
28.11
Median
4.75
Q1
2.86
Min
-15.69

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

WRB

18.84

Insurance Industry

Max
43.68
Q3
21.45
Median
9.67
Q1
3.55
Min
-5.73

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

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

Financial Strength at a Glance

SymbolSOFIWRB
Current Ratio (MRQ)--0.92
Quick Ratio (MRQ)--0.92
Debt-to-Equity Ratio (MRQ)0.570.31
Interest Coverage Ratio (TTM)--18.84

Growth

Revenue Growth

SOFI vs. WRB: 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. WRB: 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
7.21%
Q3
3.38%
Median
2.39%
Q1
0.67%
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.

WRB

2.06%

Insurance Industry

Max
9.80%
Q3
5.18%
Median
3.58%
Q1
2.07%
Min
0.00%

WRB’s Dividend Yield of 2.06% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

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

Dividend Payout Ratio (TTM)

SOFI

0.00%

Consumer Finance Industry

Max
145.89%
Q3
88.89%
Median
25.97%
Q1
9.25%
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.

WRB

34.10%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
53.26%
Q1
23.68%
Min
0.00%

WRB’s Dividend Payout Ratio of 34.10% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolSOFIWRB
Dividend Yield (TTM)0.00%2.06%
Dividend Payout Ratio (TTM)0.00%34.10%

Valuation

Price-to-Earnings Ratio (TTM)

SOFI

55.86

Consumer Finance Industry

Max
35.93
Q3
20.63
Median
12.65
Q1
9.73
Min
3.96

At 55.86, 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.

WRB

16.52

Insurance Industry

Max
30.75
Q3
18.11
Median
12.67
Q1
9.66
Min
2.87

WRB’s P/E Ratio of 16.52 is within the middle range for the Insurance 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. WRB: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

SOFI

3.35

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

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.

WRB

2.04

Insurance Industry

Max
3.41
Q3
1.88
Median
1.22
Q1
0.80
Min
0.23

WRB’s P/S Ratio of 2.04 is in the upper echelon for the Insurance 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.

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

Price-to-Book Ratio (MRQ)

SOFI

2.93

Consumer Finance Industry

Max
3.80
Q3
2.83
Median
2.02
Q1
1.18
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.

WRB

3.00

Insurance Industry

Max
4.57
Q3
2.56
Median
1.88
Q1
1.20
Min
0.17

WRB’s P/B Ratio of 3.00 is in the upper tier for the Insurance 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.

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

Valuation at a Glance

SymbolSOFIWRB
Price-to-Earnings Ratio (TTM)55.8616.52
Price-to-Sales Ratio (TTM)3.352.04
Price-to-Book Ratio (MRQ)2.933.00
Price-to-Free Cash Flow Ratio (TTM)44.558.57