Sifting through countless of stocks in the Financial Services industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Rocket Companies, Inc., SoFi Technologies or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Rocket Companies, Inc., SoFi Technologies and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Rocket Companies, Inc., SoFi Technologies and Inc.

Rocket Companies, Inc., a fintech company, engages in the mortgage, real estate, and personal finance businesses in the United States and Canada. It operates in two segments, Direct to Consumer and Partner Network. The company offers Rocket Mortgage, a mortgage lender service; Redfin, a digital real estate brokerage and home search platform; Rocket Close, a digital experience for appraisal management, settlement, and title services; Rocket Money, a finance app that offers a suite of financial wellness services including subscription cancellation, budget management and credit score improvement; and Rocket Loans, a platform for personal loan. It also originates, closes, sells, and services agency-conforming loans; and provides Rocket Pro that works with mortgage brokers, community banks, and credit unions, to maintain own brand and client relationships. Rocket Companies, Inc. was founded in 1985 and is headquartered in Detroit, Michigan. Rocket Companies, Inc. operates as a subsidiary of Rock Holdings Inc.

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees’ behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

Latest Financial Services and Rocket Companies, Inc., SoFi Technologies, Inc. Stock News

As of April 30, 2026, Rocket Companies, Inc. had a $41.4 billion market capitalization, compared to the Financial Services median of $1.9 million. Rocket Companies, Inc.’s stock is down 23.2% in 2026, down 4.7% in the previous five trading days and up 12.98% in the past year.

Currently, Rocket Companies, Inc. does not have a price-earnings ratio. Rocket Companies, Inc.’s trailing 12-month revenue is $7.1 billion with a -1.0% net profit margin. Year-over-year quarterly sales growth most recently was 52.6%. Analysts expect adjusted earnings to reach $0.737 per share for the current fiscal year. Rocket Companies, Inc. does not currently pay a dividend.

As of April 30, 2026, SoFi Technologies, Inc. had a $20.5 billion market cap, putting it in the 86th percentile of all stocks. SoFi Technologies, Inc.’s stock is down 38.5% in 2026, down 12.7% in the previous five trading days and up 21.33% in the past year.

Currently, SoFi Technologies, Inc.’s price-earnings ratio is 41.7. SoFi Technologies, Inc.’s trailing 12-month revenue is $3.6 billion with a 14.8% net profit margin. Year-over-year quarterly sales growth most recently was 40.2%. Analysts expect adjusted earnings to reach $0.584 per share for the current fiscal year. SoFi Technologies, Inc. does not currently pay a dividend.

How We Compare Rocket Companies, Inc., SoFi Technologies and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Rocket Companies, Inc., SoFi Technologies and Inc.’s stock grades to see how they measure up against one another.

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Rocket Companies, Inc., SoFi Technologies and Inc. Stock Value Grades

Company	Ticker	Value
Rocket Companies, Inc.	RKT	D
SoFi Technologies, Inc.	SOFI	F

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Rocket Companies, Inc. has a Value Score of 26, which is Expensive. SoFi Technologies, Inc. has a Value Score of 15, which is Ultra Expensive.

The Value Stock Winner: No Clear Winner

Neither Rocket Companies, Inc., SoFi Technologies or Inc. has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Rocket Companies, Inc., SoFi Technologies or Inc. is the better investment when it comes to value.

Rocket Companies, Inc., SoFi Technologies and Inc.’s Quality Grades

Company	Ticker	Quality
Rocket Companies, Inc.	RKT	F
SoFi Technologies, Inc.	SOFI	F

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Rocket Companies, Inc. has a Quality Score of 7, which is Very Weak. SoFi Technologies, Inc. has a Quality Score of 14, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither Rocket Companies, Inc., SoFi Technologies or Inc. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Rocket Companies, Inc., SoFi Technologies or Inc. is the better investment when it comes to quality.

Rocket Companies, Inc., SoFi Technologies and Inc.’s Momentum Grades

Company	Ticker	Momentum
Rocket Companies, Inc.	RKT	D
SoFi Technologies, Inc.	SOFI	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Rocket Companies, Inc. has a Momentum Score of 35, which is Weak. SoFi Technologies, Inc. has a Momentum Score of 52, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither Rocket Companies, Inc., SoFi Technologies or Inc. has a strong enough Momentum Grade to be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Rocket Companies, Inc., SoFi Technologies or Inc. is the better investment when it comes to momentum.

Other Rocket Companies, Inc., SoFi Technologies and Inc. Grades

In addition to Momentum, Quality and Value, A+ Investor also provides grades for Growth and Estimate Revisions.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Rocket Companies, Inc., SoFi Technologies and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Rocket Companies, Inc., SoFi Technologies or Inc. Stock?

Overall, Rocket Companies, Inc. stock has a Value Score of 26, Momentum Score of 35 and Quality Score of 7.

SoFi Technologies, Inc. stock has a Value Score of 15, Momentum Score of 52 and Quality Score of 14.

Comparing Rocket Companies, Inc., SoFi Technologies and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.