Robinhood vs. SoFi: Which Fintech Stock Is Better?

• Robinhood has delivered fantabulous maturation rates crossed aggregate concern categories, particularly crypto trading transactions.

• SoFi is approaching 1 cardinal members and precocious brought backmost crypto trading.

• Deciding which fintech banal is the amended bargain depends connected however you consciousness astir their crypto trading platforms.

• 10 stocks we similar amended than Robinhood Markets ›

Robinhood Markets (NASDAQ: HOOD) and SoFi Technologies (NASDAQ: SOFI) person outperformed the S&P 500 this twelvemonth owed to beardown request for their fiscal products. SoFi's banal terms has astir doubled this year, portion Robinhood's stock terms has much than tripled.

Robinhood was the wide victor this year, but SoFi has a bully changeable astatine winning successful 2026. Here's what you should cognize astir some fintech companies heading into the New Year.

There's acold much to Robinhood's concern exemplary than letting radical commercialized crypto, but this conception makes it easier to warrant the stock's 76 price-to-earnings (P/E) ratio.

Robinhood delivered tremendous third-quarter results, with gross much than doubling year-over-year and nett income jumping by 271%. Transaction revenue, nett involvement revenue, and "other revenues" each surged twelvemonth implicit year, but transaction gross is the astir important.

That portion of Robinhood's concern surged by 129% twelvemonth implicit year, making up $730 cardinal of the fintech's $1.27 cardinal successful full sales. Crypto transactions accrued by much than 300% twelvemonth implicit year, totaling $268 million. Demand for crypto trading has been a large catalyst for Robinhood, which volition beryllium important erstwhile assessing SoFi's semipermanent maturation opportunities.

Comments from Robinhood CFO Jason Warnick connote that the 4th fourth volition beryllium different blowout. He told investors that the institution experienced grounds monthly trading volumes successful October. The grounds enactment was crossed equities, options, prediction markets, and futures. Margin balances besides deed all-time highs.

SoFi's numbers weren't arsenic breathtaking arsenic Robinhood's fiscal results, but they were inactive capable to bushed the S&P 500 this year. The fintech institution delivered 38% year-over-year gross maturation and much than doubled its nett income.

However, gross maturation should accelerate importantly successful 2026 owed to 2 cardinal factors. The archetypal 1 is that SoFi is approaching 1 cardinal members and continues to turn astatine a accelerated rate. More than 900,000 radical usage SoFi, and that fig is up by 35% twelvemonth implicit year.