SOFI vs HOOD Stock Comparison
SoFi Technologies, Inc. vs Robinhood Markets, Inc.
HOOD leads
HOOD leads by 1 AIQ points, primarily on Momentum, having only recently taken the lead back from SOFI. Wall Street currently favors SOFI on target upside.
Fragile: 2 of 6 evidence groups support HOOD, the lead recently changed hands, and its signal state is cleanly positive.
SoFi Technologies, Inc.
Robinhood Markets, Inc.
The Algovestiq AIQ Score currently favors HOOD over SOFI, 45 versus 44 as of Sep 2, 2026. HOOD's advantage is driven primarily by stronger momentum, while SOFI holds the stronger quality profile. HOOD also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors SOFI. 2 of 6 covered evidence groups favor HOOD today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 1 points. HOOD lead: Reversed — SOFI led by 11 AIQ points 30 sessions ago; HOOD now leads by 1.
Compare SoFi Technologies, Inc. and Robinhood Markets, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
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.
- Momentum25%54 vs 73HOOD +19
- Quality30%62 vs 53SOFI +9
- Value30%27 vs 24Even
- Risk Resilience15%26 vs 27Even
2 of 6 evidence groups favor HOOD. HOOD’s edge is concentrated in momentum; SOFI keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-09-01, compared against the prior scored session 2026-08-31.
No factor moved materially.
No new signals fired.
No factor moved materially.
No new signals fired.
HOOD's lead was unchanged in the latest snapshot.
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
HOOD (Robinhood Markets, Inc.): the stronger current systematic profile, led by momentum.
SOFI (SoFi Technologies, Inc.): the counter-case, on quality, analyst expectations.
The AIQ Score and Wall Street therefore point in different directions on this pair.
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
HOODHOOD on the overall AIQ Score, which weights Quality and Value at 30% each.
Growth
HOODHOOD on combined revenue and EPS growth.
Value
EvenThe two are level on Value.
Momentum
HOODHOOD on the Momentum factor, by 19 points.
Lower downside
SOFISOFI carries the lower 1-month annualized volatility.
Analyst upside
SOFISOFI on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors HOOD, analyst targets favor SOFI. That disagreement is the most useful thing on this page.
| Measure | SOFI | HOOD | Note |
|---|---|---|---|
| Implied upside to target | +14.8% | +5.9% | SOFI has more room |
| Target dispersion | +63.6% | +70.1% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 10 | 13 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
2 of 6 covered evidence groups favor HOOD. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 44 vs 45 |
| Fundamentals | HOODon balance | revenue growth 11.5% vs -49.9%; EPS growth -7.7% vs 59%; 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 -0.1% vs 3.8%; vs 200-day -11.4% vs 10% |
| Risk Resilience | Even | Risk Resilience 26 vs 27 |
| Analyst expectations | SOFI | Target upside 14.8% vs 5.9% |
✓ 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 1 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)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
- 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 HOOD.
How the comparison changed
120 daily snapshots · Apr 20 – Sep 1HOOD lead: Reversed — SOFI led by 11 AIQ points 30 sessions ago; HOOD now leads by 1.
- Today
- HOOD +1
- 44 vs 45
- 7 sessions ago
- HOOD +2
- 46 vs 48
- 30 sessions ago
- SOFI +11
- 45 vs 34
- 90 sessions ago
- SOFI +4
- 48 vs 44
The lead changed hands 10 times in this window, most recently on Aug 21 when HOOD moved ahead of SOFI.
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 / 2 bearish / 2 neutral
- Death Cross Active — bearish, trend, long horizon (13.24%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (4.81%)
4 bullish / 0 bearish / 1 neutral
- Golden Cross Active — bullish, trend, long horizon (6.32%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +4.46%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +1.55%, 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.
- 1SOFI closes the Momentum gap — currently 19 points behind, the largest single contributor to HOOD's edge.
- 2SOFI's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3HOOD's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — the composite weights Quality and Value at 30% each, 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 | 6.2% | 22.7% |
| Debt to equity | 0.31 | 2.92 |
Technicals
HOOD has the stronger structure| Metric | SOFI | HOOD |
|---|---|---|
| RSI (14) | 49.3 | 59.3 |
| ADX (14) | 15 | 19.3 |
| Price vs 50-day | -0.1% | 3.8% |
| Price vs 200-day | -11.4% | 10% |
| Volatility (1M, annualized) | 47.7% | 73.4% |
Risk
Split| Metric | SOFI | HOOD |
|---|---|---|
| Beta | 2.77 | 3.07 |
| Sharpe ratio | -0.44 | 0.32 |
| Sortino ratio | -0.65 | 0.54 |
| Max drawdown | -53% | -57.3% |
| Current drawdown | -44.5% | -31.3% |
| Annualized volatility | 57.3% | 71.9% |
| 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, HOOD is the stronger of the two as of Sep 2, 2026, scoring 45 against SOFI's 44. The edge comes from momentum. SOFI is not without a case — it holds the better quality 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?
HOOD carries the stronger systematic profile as of Sep 2, 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 1 points. Treat the lead as provisional.
Why does the AIQ Score favor HOOD over SOFI?
The composite weights Quality at 30%, Value at 30%, Momentum at 25% and Risk Resilience at 15%. HOOD leads Momentum by 19 points; SOFI leads Quality by 9 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 +14.8% upside for SOFI and +5.9% for HOOD, so the Street currently favors SOFI. That points the opposite way to the AIQ Score, which favors HOOD. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. 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?
HOOD on the Momentum factor, by 19 points. Momentum carries 25% of 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?
SOFI is the more resilient of the two, so the other name carries the higher downside risk. SOFI carries the lower 1-month annualized volatility. The Risk Resilience factor weights 15% of 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%; roe 6.2% vs 22.7%.
Is HOOD's lead over SOFI getting stronger or weaker?
HOOD lead: Reversed — SOFI led by 11 AIQ points 30 sessions ago; HOOD now leads by 1. This is measured from 120 daily comparison snapshots between 2026-04-20 and 2026-09-01. The lead has changed hands 10 times in that window, most recently on 2026-08-21, when HOOD moved ahead of SOFI.
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: SOFI closes the Momentum gap — currently 19 points behind, the largest single contributor to HOOD's edge; SOFI's Death Cross Active resolves — a bearish trend rule currently active against it; HOOD's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
What do the current signals say about SOFI and HOOD?
SOFI: 0 bullish / 2 bearish / 2 neutral. HOOD: 4 bullish / 0 bearish / 1 neutral. 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
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality (30%), Value (30%), Momentum (25%) and Risk (15%). 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.