SOFI vs. WSE: SoFi vs. Wise Stock Comparison
How do SoFi (SOFI) and Wise (WSE) 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 Wise (WSE) both fall under the Financial Services industry group, but SOFI is classified in Consumer Finance while WSE is classified in Financial Services.
SoFi (SOFI) has traded publicly since January 4, 2021, giving it several years of listed trading history, while Wise (WSE) only listed on May 11, 2026 and has a limited public-market record.
| Profile Item | SOFI | WSE |
|---|---|---|
| Name | SoFi Technologies, Inc. | Wise Group plc |
| Country/Region | United States | United Kingdom |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Financial Services |
| GICS Sub-Industry | Consumer Finance | Transaction & Payment Processing Services |
| Market Capitalization | 21.04 billion USD | 10.76 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | January 4, 2021 | May 11, 2026 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SOFI | WSE |
|---|---|---|
| Total Return (1Y) | -40.42% | -- |
| Total Return (3Y, Annualized) | 34.88% | -- |
| Total Return (5Y, Annualized) | -5.36% | -- |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SOFI | WSE |
|---|---|---|
| Volatility (1Y, Annualized) | 55.56% | 44.06% |
| Beta (5Y) | 2.22 | 1.56 |
| Max Drawdown (5Y) | -81.28% | -32.47% |
| Avg. Volume (3M) | 48.09M | 1.74M |
Risk-Adjusted Performance
Risk-Return Positioning
Both SOFI and WSE need 1-year volatility and 1-year return to plot risk-return positioning.
Risk-Adjusted Metrics
| Metric | SOFI | WSE |
|---|---|---|
| Sharpe Ratio (1Y) | -0.80 | -- |
| Sortino Ratio (1Y) | -1.09 | -- |
Profitability
ROE (TTM)
Wise (WSE) at 27.23% sits in the top ROE quartile, while SoFi (SOFI) at 7.35% is closer to the peer norm — stronger capital efficiency for WSE.
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%
WSE
Financial Services industry group
27.23%
- Max
- 44.78%
- WSE
- 27.23%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both SoFi (SOFI) at 15.75% and Wise (WSE) at 19.93% 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%
WSE
Financial Services industry group
19.93%
- Max
- 62.84%
- Q3
- 28.05%
- WSE
- 19.93%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Wise (WSE) at 59.77% operates in the top operating margin quartile, ahead of SoFi (SOFI) at 23.19%, which runs around its industry’s norm.
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%
WSE
Financial Services industry group
59.77%
- Max
- 107.33%
- WSE
- 59.77%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | SOFI | WSE |
|---|---|---|
| ROE (TTM) | 7.35% | 27.23% |
| ROA (TTM) | 1.31% | 2.41% |
| Net Margin (TTM) | 15.75% | 19.93% |
| Operating Margin (TTM) | 23.19% | 59.77% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Wise (WSE) at 17.14% is closer to the peer norm — faster top-line expansion for SOFI.
EPS Growth
Both SoFi (SOFI) at 0.00% and Wise (WSE) at -5.78% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | SOFI | WSE |
|---|---|---|
| Revenue Growth (YoY) | 38.32% | 17.14% |
| Revenue Growth (3Y CAGR) | 31.93% | 30.26% |
| EPS Growth (YoY) | 0.00% | -5.78% |
| EPS Growth (3Y CAGR) | -- | 52.89% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: SoFi (SOFI) in Financial Services and Wise (WSE) 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 Wise (WSE) 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 | WSE |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither SoFi (SOFI) nor Wise (WSE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
WSE
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- WSE
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither SoFi (SOFI) nor Wise (WSE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
WSE
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- WSE
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SOFI | WSE |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Wise (WSE) at 23.23 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.
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
WSE
Financial Services industry group
23.23
- Max
- 45.85
- Q3
- 24.64
- WSE
- 23.23
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both SoFi (SOFI) at 4.49 and Wise (WSE) at 4.30 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
WSE
Financial Services industry group
4.30
- Max
- 9.23
- Q3
- 4.57
- WSE
- 4.30
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
SoFi (SOFI) at 1.86 is valued about in line with its industry on P/B ratio, while Wise (WSE) at 5.94 carries an above-peer premium to book — WSE is pricier on assets.
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
WSE
Financial Services industry group
5.94
- Max
- 7.79
- WSE
- 5.94
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SOFI | WSE |
|---|---|---|
| P/E Ratio (TTM) | 29.47 | 23.23 |
| P/S Ratio (TTM) | 4.49 | 4.30 |
| P/B Ratio (MRQ) | 1.86 | 5.94 |
| Free Cash Flow Yield (TTM) | -- | -- |