MetaStockplace, welcome to finance face-off. You’d rather own Robinhood than SoFi. Why? Meta is launching banking in fall. Robinhood is coming for SoFi’s lunch. Simple.
In Q2 2025 Robinhood posted EPS of $0.42 on $989 million in revenue, both above forecasts. Crypto revenue jumped 98% to $160 million, ETF tokenization is live, active user base hit 12.8 million. “Robinhood is positioning itself to become the central financial ecosystem for future investors,” said one market report.
https://www.investors.com/research/the-new-america/robinhood-stock-2024-2025-10x-plan-expansion-84-trillion-investors/
SoFi meanwhile reported $858 million in revenue, EPS $0.08, member count climbing 34% to 11.7 million. Loan origination volume hit $7 billion in personal loans, up 66%. Despite strong lending margins SoFi announced a $1.5 billion share offering which sent the stock down. “SoFi’s stock fell significantly following the announcement of a $1.5 billion public offering,” reported Barron’s.
https://www.barrons.com/articles/sofi-stock-price-offering-dilution-92f42c82
Robinhood’s banking feature launching this fall targets the same customer pool SoFi has been building. SoFi has the bank charter advantage, but its equity raise may weaken its war chest. Robinhood’s customer base is younger, trading-centric, and primed for banking upsell. SoFi is courting passive wealth management users, while Robinhood is courting the traders turned savers crowd.
The logic is clear. Robinhood is seeking scale through aggressive expansion backed by hype, while SoFi is funding growth via dilution. One uses cash to recruit households, the other raises capital to stay in the race. Watch which business model pays off first.
MetaLunch?
Note: This is not financial advice and is for educational purposes only. Please conduct your own due diligence.
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