As investor interest in fintech stocks intensifies, Robinhood (HOOD) and SoFi (SOFI) emerge as key contenders. This analysis evaluates their recent performance, revenue trends, and user metrics to assess long-term viability.
- Robinhood reported $628M in Q3 2025 revenue, down 12% YoY.
- SoFi generated $534M in Q3 2025 revenue, up 17% YoY.
- SoFi’s net income reached $115M in Q3, compared to Robinhood’s $42M.
- SoFi’s active user base grew 22% YoY to 4.5 million.
- Robinhood’s monthly active users declined to 27 million in Q3.
- SoFi’s assets under management rose to $83B, up 18% YoY.
- HOOD stock down 25% from 52-week high; SOFI up 14% year-to-date.
Robinhood and SoFi are two of the most scrutinized fintech stocks in the U.S. market, each pursuing distinct growth strategies amid evolving consumer preferences. Robinhood, known for its commission-free trading platform, reported $628 million in revenue for Q3 2025, a 12% year-over-year decline, primarily due to reduced trading volume. Meanwhile, SoFi posted $534 million in revenue for the same quarter, marking a 17% increase, driven by strong growth in its lending and banking segments. SoFi’s net income reached $115 million in Q3, compared to Robinhood’s $42 million, reflecting improved cost management and diversified revenue streams. The user base remains a critical differentiator. Robinhood reported 27 million monthly active users as of September 2025, down from 31 million in early 2024, signaling a plateau in user acquisition. In contrast, SoFi’s platform saw 4.5 million active users, a 22% increase from the prior year, supported by its expanding suite of financial products including student loan refinancing, personal loans, and investment accounts. SoFi’s total assets under management grew to $83 billion in Q3, up 18% YoY, while Robinhood’s platform assets stood at $115 billion, a modest 3% increase. Market sentiment reflects these fundamentals. HOOD stock traded at $28.40 as of December 14, 2025, a 25% drop from its 52-week high, while SOFI closed at $18.60, up 14% from the start of the year. Analysts note that SoFi’s profitability and diversification offer resilience during market downturns, while Robinhood’s heavy reliance on trading activity poses volatility risks. Institutional ownership remains higher for SoFi, with 63% of shares held by large funds, compared to 51% for Robinhood. Ultimately, SoFi appears better positioned for sustained growth due to its profitability, expanding product ecosystem, and positive revenue momentum. Robinhood, while still a dominant player in retail trading, faces challenges in maintaining user engagement and earnings stability.