FinVolution Group vs SoFi Technologies, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The single figure that separates these two digital lenders is return on assets: 10% at FinVolution, 1.1% at SoFi, the asset-light Chinese marketplace out-earning the deposit-funded American bank per dollar of balance sheet by nine times. The market's response is to price SoFi at 39.7 times earnings and FinVolution at 17.8, a 22-turn premium for the US charter and the growth story attached to it. Net margins sit close, 14.6% and 18.7%, FinVolution ahead. SoFi's negative free-cash figure is loan growth; FinVolution's positive one is distributable. Two versions of app-first lending, one prized for where it operates, the other discounted for the same reason; efficiency, on this page, is the cheaper commodity.
Comparison updated 2026-07-10.
| Metric | FINV | SOFI |
|---|---|---|
| Price | $4.80 | $17.86 |
| Market cap | $6.4B | $24.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 17.8 | 39.7 |
| P/B | 2.66 | 2.28 |
| P/S | 3.30 | 6.24 |
| EV/EBITDA | 613.1 | 313.9 |
| Revenue growth | +200.0% | +40.7% |
| Net margin | 18.7% | 14.6% |
| Return on equity | 15.1% | 5.3% |
| Return on assets | 10.0% | 1.1% |
| Debt / equity | 0.02 | 0.00 |
| Altman Z (solvency) | 4.33 | 0.40 |
| Piotroski F (quality) | 6 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.