SOFI vs HOOD Stock Comparison
SOFI currently leads HOOD in this stock comparison, with AIQ scores of 38 vs 34. The clearest difference is quality, while HOOD has the stronger risk resilience profile.
What is the main difference between SOFI and HOOD?
SOFI leads the current stock comparison as SoFi Technologies, Inc., with the clearest separation coming from quality and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
SoFi Technologies, Inc. vs Robinhood Markets, Inc.
SOFI leads
SOFI leads by 4 AIQ points, primarily on Quality and Momentum, having only recently taken the lead back from HOOD.
Fragile: 2 of 6 evidence groups support SOFI, and the lead recently changed hands.
SoFi Technologies, Inc.
Robinhood Markets, Inc.
The Algovestiq AIQ Score currently favors SOFI over HOOD, 38 versus 34 as of Oct 21, 2026. SOFI's advantage is driven primarily by stronger quality and momentum, while HOOD holds the stronger risk resilience profile. SOFI also shows the weaker technical structure relative to its 50-day moving average. 2 of 6 covered evidence groups favor SOFI today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 4 points. SOFI lead: Reversed — HOOD led by 5 AIQ points 30 sessions ago; SOFI now leads by 4.
Compare SoFi Technologies, Inc. and Robinhood Markets, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price return from daily closes; distributions are not included.
Price return comparison
Growth of $10,000, price only
Split-adjusted closes only. Distributions are excluded, which understates the return of any fund or stock that pays them.
Compare SOFI and HOOD against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Quality62 vs 53SOFI +9
- Momentum32 vs 26SOFI +6
- Risk Resilience24 vs 30HOOD +6
- Value27 vs 24Even
2 of 6 evidence groups favor SOFI. SOFI’s edge is concentrated in quality and momentum; HOOD keeps a meaningful risk resilience edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +6
No signal started or stopped since the prior session; its 6 active signals are unchanged.
Largest factor move: Momentum +1, not enough on its own to move the overall score.
No signal started or stopped since the prior session; its 4 active signals are unchanged.
SOFI's lead widened by 1 AIQ point in the latest session.
Deeper signal detail for each name lives on its own signals page — SOFI and HOOD both carry a full feed there.
The central trade-off
SOFI (SoFi Technologies, Inc.): the stronger current systematic profile, led by quality and momentum.
HOOD (Robinhood Markets, Inc.): the counter-case, on risk resilience, fundamentals, technicals.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
SOFISOFI on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
HOODHOOD on combined revenue and EPS growth.
Value
EvenThe two are level on Value.
Momentum
SOFISOFI on the Momentum factor, by 6 points.
Lower downside
HOODHOOD on Risk Resilience, by 6 points.
Analyst upside
SOFISOFI on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | SOFI | HOOD | Note |
|---|---|---|---|
| Implied upside to target | +38.3% | +24.5% | SOFI has more room |
| Target dispersion | +67.9% | +69.3% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 12 | 20 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
2 of 6 covered evidence groups favor SOFI. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | SOFI | 38 vs 34 |
| Fundamentals | HOODon balance | revenue growth 11.5% vs -49.9%; EPS growth -7.7% vs 59%; TTM ROE 6.2% vs 22.7%; gross margin 76.5% vs 78.7%; operating margin 13.2% vs 30.9% — HOOD takes 4 of 5 decided legs, not all of them |
| Valuation | Even | Value 27 vs 24 |
| Technicals | HOOD | Price vs 50-day -12.1% vs -6.3%; vs 200-day -19.5% vs 4.9% |
| Risk Resilience | HOOD | Risk Resilience 24 vs 30 |
| Analyst expectations | SOFI | Target upside 38.3% vs 24.5% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of SOFI and HOOD and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 4 points. (argues the conclusion is provisional)
- Only 2 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- Analyst targets on the leader are widely dispersed. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on SOFI.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20SOFI lead: Reversed — HOOD led by 5 AIQ points 30 sessions ago; SOFI now leads by 4.
- Today
- SOFI +4
- 38 vs 34
- 7 sessions ago
- SOFI +3
- 37 vs 34
- 30 sessions ago
- HOOD +5
- 37 vs 42
- 90 sessions ago
- SOFI +8
- 47 vs 39
The lead changed hands 6 times in this window, most recently on Oct 8 when SOFI moved ahead of HOOD.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
0 bullish / 4 bearish / 2 neutral
Only SOFI
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Death Cross Active — bearish, trend, long horizon (7.70%)
- 52-Week Low Proximity — bearish, risk, long horizon (2.3%)
- Downtrend Structure Active — bearish, trend, long horizon
1 bullish / 2 bearish / 1 neutral, conflicted
Only HOOD
- Golden Cross Active — bullish, trend, long horizon (16.21%)
- Keltner Channel Breakdown — bearish, volatility, short horizon
Both carry 2 more signals that do not separate them: ATR Expansion - Breakout Mode, MACD Bearish Crossover.
HOOD is conflicted, so the timing case there is weaker than the score alone suggests.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +1.5%, AIQ +1 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +3.79%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1HOOD closes the Quality gap — currently 9 points behind, the largest single contributor to SOFI's edge.
- 2HOOD's Keltner Channel Breakdown resolves — a bearish volatility rule currently active against it.
- 3SOFI starts generating bearish momentum or trend signals.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
HOOD leads on balance| Metric | SOFI | HOOD |
|---|---|---|
| Revenue growth (YoY) | 11.5% | -49.9% |
| EPS growth (YoY) | -7.7% | 59% |
| Gross margin | 76.5% | 78.7% |
| Operating margin | 13.2% | 30.9% |
| Return on equity (TTM) | 6.2% | 22.7% |
| Debt to equity | 0.31 | 2.92 |
Performance
HOOD leads 4 of 6 windows| Metric | SOFI | HOOD |
|---|---|---|
| 1 week (5 sessions) | -3.7% | -11.1% |
| 1 month (20 sessions) | -14.5% | -21% |
| 3 months (63 sessions) | -14% | -6% |
| 6 months (126 sessions) | -22% | 13.6% |
| Year to date | -43.8% | -13.2% |
| 1 year (252 sessions) | -44.8% | -25.3% |
Technicals
HOOD has the stronger structure| Metric | SOFI | HOOD |
|---|---|---|
| RSI (14) | 38.4 | 30.4 |
| ADX (14) | 23.9 | 17.1 |
| Price vs 50-day | -12.1% | -6.3% |
| Price vs 200-day | -19.5% | 4.9% |
| Volatility (1M, annualized) | 43.9% | 43.4% |
Risk
HOOD is the more resilient| Metric | SOFI | HOOD |
|---|---|---|
| Beta | 2.77 | 3.21 |
| Sharpe ratio | -0.83 | -0.09 |
| Sortino ratio | -1.22 | -0.16 |
| Max drawdown | -55.9% | -55.7% |
| Current drawdown | -54.4% | -33.2% |
| Annualized volatility | 56.6% | 71.8% |
| Value at risk (95%) | -6.1% | -7.2% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, SOFI or HOOD?
On the Algovestiq AIQ Score, SOFI is the stronger of the two as of Oct 21, 2026, scoring 38 against HOOD's 34. The edge comes from quality and momentum. HOOD is not without a case — it holds the better risk resilience profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is SOFI or HOOD the better buy right now?
SOFI carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Fragile — 2 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 4 points. Treat the lead as provisional.
Why does the AIQ Score favor SOFI over HOOD?
The composite weights Quality, Value, Momentum and Risk Resilience. SOFI leads Quality by 9 points; SOFI leads Momentum by 6 points; HOOD leads Risk Resilience by 6 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, SOFI or HOOD?
Analyst price targets imply +38.3% upside for SOFI and +24.5% for HOOD, so the Street currently favors SOFI. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, SOFI or HOOD?
Neither name separates on the peer-relative Value factor. The two are level on Value. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, SOFI or HOOD?
HOOD on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, SOFI or HOOD?
SOFI on the Momentum factor, by 6 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, SOFI or HOOD?
HOOD is the more resilient of the two, so the other name carries the higher downside risk. HOOD on Risk Resilience, by 6 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is SOFI more profitable than HOOD?
HOOD leads on the comparable margin measures — gross margin 76.5% vs 78.7%; operating margin 13.2% vs 30.9%; ttm roe 6.2% vs 22.7%.
Is SOFI's lead over HOOD getting stronger or weaker?
SOFI lead: Reversed — HOOD led by 5 AIQ points 30 sessions ago; SOFI now leads by 4. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has changed hands 6 times in that window, most recently on 2026-10-08, when SOFI moved ahead of HOOD.
What would change the SOFI vs HOOD verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: HOOD closes the Quality gap — currently 9 points behind, the largest single contributor to SOFI's edge; HOOD's Keltner Channel Breakdown resolves — a bearish volatility rule currently active against it; SOFI starts generating bearish momentum or trend signals; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about SOFI and HOOD?
SOFI: 0 bullish / 4 bearish / 2 neutral. HOOD: 1 bullish / 2 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on SOFI is Death Cross Active (bearish, long horizon). On HOOD it is Golden Cross Active (bullish, long horizon).
Compare SOFI and HOOD with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.