Shares of U.S. fintech platforms SoFi Technologies (SOFI) and Robinhood Markets (HOOD) have jumped in 2025 as retail investor activity picks up again. With competition intensifying across the fintech space, long-term investors are focused on which stock offers more upside in 2026. Using TipRanks’ Stock Comparison Tool, we compared HOOD and SOFI to see which fintech stock offers higher upside for 2026.
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Let’s take a closer look.
SoFi Technologies
SOFI stock is up about 76% year-to-date, supported by growth in its digital banking business and strong financial results. In Q3 2025, SoFi’s revenue jumped 38% from a year earlier, hitting a record high. Growth was driven by strong member gains, bringing total members to 12.6 million, up 35% year over year.
Looking ahead, SoFi restarted crypto trading after shutting it down in 2023 due to regulatory concerns. Crypto trading was a major growth driver before, and demand for digital assets has only increased since then. If crypto markets stay strong, SoFi’s revenue could jump significantly in some quarters in 2026.
Overall, investors remain positive, supported by fast revenue growth, a rising member base, and expanding products.
Is SoFi a Good Buy Right Now?
On the other hand, Wall Street analysts are split, with the consensus suggesting caution and some risk of a pullback from current levels.
Last week, Morgan Stanley analyst Jeffrey Adelson reiterated a Sell rating on SoFi Technologies stock with a price target of $18. Adelson remains bearish on SOFI stock because of its high valuation. He does not expect SoFi to keep growing revenue at 30%–40%, especially if an economic slowdown or weaker credit conditions reduce demand for personal loans.
Earlier, William Blair’s five-star-rated analyst Andrew Jeffrey stated that SoFi is on track to become a top-10 U.S. bank as consumers grow frustrated with traditional banks’ weak digital offerings and costly products. Jeffrey also warned of near-term risks due to tough fourth-quarter comparisons and high EBITDA expectations on Wall Street. Still, he believes any pullback in SOFI stock could present a buying opportunity.
SOFI stock has a Hold consensus rating from analysts. SoFi’s average stock price target of $27.50 is almost similar to its current levels.
Robinhood
So far in 2025, Robinhood’s rally has been much stronger, driven by higher trading volumes and expanding revenue streams. As a result, HOOD stock has surged more than 200%.
In Q3, Robinhood’s sales doubled from a year earlier, with revenue reaching $1.27 billion. The growth was driven mainly by higher interest-earning assets and more customer transactions. In particular, strong interest in cryptocurrencies like Bitcoin generated $268 million in revenue, up 300% year-over-year.
For investors, Robinhood’s story has moved from short-term retail trading spikes to long-term growth. The company is now expanding beyond its retail focus and building a more stable business by serving a wider range of clients, even though market ups and downs may still affect short-term results.
Is HOOD a Good Stock to Buy Now?
As compared to SOFI, Wall Street has a moderately bullish outlook on HOOD stock.
Yesterday, four-star-rated analyst David Smith at Truist Financial reiterated his Buy rating on HOOD stock. Smith said new features and product updates are helping Robinhood attract more users and gain market share. He also expects Robinhood’s revenue to grow by more than 50% for a second straight year and believes the company can achieve around 20% annual growth over the long term, even as it scales.
Overall, HOOD stock carries a Moderate Buy rating from analysts. Meanwhile, Robinhood has an average price target of $152.16, implying an upside of 24.34%.
Conclusion
SoFi and Robinhood both present compelling growth stories. SoFi offers a more diversified, long-term play through its expanding digital banking platform, growing fee-based revenue, and improving profitability. In contrast, Robinhood is more closely tied to trading activity and market sentiment, benefiting from strong engagement, and rising participation in areas like options and crypto.
According to analysts, HOOD stock offers higher upside for investors, though it also comes with greater volatility tied to market conditions.