Rocket Companies, Inc. vs SoFi Technologies, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin lines mark two different distances from health: SoFi nets 14.6% of revenue, a neobank fully arrived at profitability, while Rocket nets 2.8%, a mortgage platform at the floor of its cycle. The market prices both for better futures, 39.7 and 115.2 times earnings, growth premium and trough premium respectively. Neither carries heavy debt; both show lender cash-flow noise (negative free-cash figures meaning growth at SoFi, churn at Rocket). Returns on equity, 5.3% against 1%, are both below what their prices assume returns. Two fintech-era franchises priced on next year at the earliest: one needs execution to continue, the other needs the rate cycle to end; the multiples say the market considers the rate cycle the safer bet.
Comparison updated 2026-07-10.
| Metric | RKT | SOFI |
|---|---|---|
| Price | $14.97 | $17.86 |
| Market cap | $42.6B | $24.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 115.2 | 39.7 |
| P/B | 1.83 | 2.28 |
| P/S | 4.99 | 6.24 |
| EV/EBITDA | 123.1 | 313.9 |
| Revenue growth | +92.1% | +40.7% |
| Net margin | 2.8% | 14.6% |
| Return on equity | 1.0% | 5.3% |
| Return on assets | 0.4% | 1.1% |
| Debt / equity | 0.45 | 0.00 |
| Altman Z (solvency) | 0.86 | 0.40 |
| Piotroski F (quality) | 8 / 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.