HSBC Holdings plc vs SoFi Technologies Inc — how do they compare? HSBC Holdings plc trades at $92.98 (market cap $311.92B), while SoFi Technologies Inc trades at $15.8 (market cap $20.16B). The key difference: HSBC Holdings plc is far larger — about 15.5× SoFi Technologies Inc's market cap, and HSBC Holdings plc pays a 4.05% dividend while SoFi Technologies Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold HSBC Holdings plc for 36 Days and SoFi Technologies Inc for 60 Days on average.
| HSBC | SOFI | |
|---|---|---|
Market Cap | $311.92B | $20.16B |
Volume | 3,546,658 | 49,646,331 |
Sector | Financials | Financials |
52-Week High | $107.86 | $32.21 |
52-Week Low | $65.67 | $15.15 |
Typical Hold Time | 36 Days | 60 Days |
Enterprise Value | $222.19B | $20.30B |
Dividend Yield | 4.05% | — |
Signals from Pluang's Aura AI — not financial advice
HSBC trades at $92.98, down 0.78% today, with a bearish technical signal from moving averages and oscillators. The stock shows solid fundamentals with a P/E of 13.23, net income margin of 34.54%, and ROE of 12.44%. Recent earnings were mixed, beating in Q4 2025 and Q2 2026 but missing in Q1 2026. News highlights strategic moves like expanding in India equity broking and enhancing U.S. Premier services, while the CFO plans to step down in 2027.
The outlook is cautiously optimistic given strong profitability and growth initiatives, but risks include execution challenges from business restructuring and macroeconomic headwinds. Analysts are divided with 38.1% buy ratings, suggesting potential upside if earnings momentum improves, though bearish technicals warrant monitoring near support at $91.
SOFI Technologies trades at $15.61, down 0.32% with a bearish technical outlook. The stock shows strong fundamental progress with revenue growth from $1.6B in 2022 to $3.6B in 2025 and consistent earnings beats. Analyst consensus is mixed with a $21.58 price target representing 38% upside potential. Recent news highlights stablecoin initiatives and record loan originations despite stock underperformance.
SOFI presents a growth opportunity with expanding revenue and profitability, though execution risks and rate sensitivity remain concerns. The valuation at 31.86 P/E appears reasonable for growth trajectory, but negative operating cash flows and competitive pressures warrant caution. Near-term catalyst includes Q3 earnings on October 27, 2026.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
HSBC is one of the world's largest banking and financial services organizations. It serves customers worldwide through four global businesses: Retail, Commercial, Global Banking, and Private Banking.
Read more on HSBC →SoFi is a financial services company that was founded in 2011 and is currently based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020 the company also offers payment and account services for debit cards and digital banking.
Read more on SOFI →