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

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

Company Profile

SymbolSOFIWTW
Company NameSoFi Technologies, Inc.Willis Towers Watson Public Limited Company
CountryUnited StatesUnited Kingdom
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceInsurance
Market Capitalization31.31 billion USD32.82 billion USD
ExchangeNasdaqGSNasdaqGS
Listing DateJanuary 4, 2021June 12, 2001
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolSOFIWTW
5-Day Price Return14.95%0.30%
13-Week Price Return98.26%9.22%
26-Week Price Return61.62%3.33%
52-Week Price Return263.70%18.00%
Month-to-Date Return15.81%6.54%
Year-to-Date Return69.81%7.41%
10-Day Avg. Volume68.32M0.51M
3-Month Avg. Volume69.83M0.67M
3-Month Volatility47.26%18.75%
Beta1.970.74

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.

WTW

1.73%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

WTW’s Return on Equity of 1.73% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

SOFI vs. WTW: 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
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.

WTW

1.40%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

Falling into the lower quartile for the Insurance industry, WTW’s Net Profit Margin of 1.40% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

SOFI vs. WTW: 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
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.

WTW

6.24%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

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

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

Profitability at a Glance

SymbolSOFIWTW
Return on Equity (TTM)8.58%1.73%
Return on Assets (TTM)1.50%0.49%
Net Profit Margin (TTM)-19.79%1.40%
Operating Profit Margin (TTM)-19.92%6.24%
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.

WTW

1.13

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
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. WTW: 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
3.39
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.

WTW

0.66

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

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

SOFI vs. WTW: 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
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.

WTW

1.41

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

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

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

Financial Strength at a Glance

SymbolSOFIWTW
Current Ratio (MRQ)--1.13
Quick Ratio (MRQ)--1.11
Debt-to-Equity Ratio (MRQ)0.570.66
Interest Coverage Ratio (TTM)--1.41

Growth

Revenue Growth

SOFI vs. WTW: 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. WTW: 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.

WTW

1.14%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

WTW’s Dividend Yield of 1.14% 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. WTW: 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
88.53%
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.

WTW

14.79%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

WTW’s Dividend Payout Ratio of 14.79% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

SymbolSOFIWTW
Dividend Yield (TTM)0.00%1.14%
Dividend Payout Ratio (TTM)0.00%14.79%

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.

WTW

227.81

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

At 227.81, WTW’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

SOFI vs. WTW: 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
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.

WTW

3.18

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

WTW’s P/S Ratio of 3.18 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. WTW: 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
3.63
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.

WTW

3.75

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

WTW’s P/B Ratio of 3.75 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. WTW: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Insurance industry benchmarks.

Valuation at a Glance

SymbolSOFIWTW
Price-to-Earnings Ratio (TTM)47.53227.81
Price-to-Sales Ratio (TTM)3.353.18
Price-to-Book Ratio (MRQ)2.933.75
Price-to-Free Cash Flow Ratio (TTM)37.9124.67