MOGO vs SOFI

For growth investors, SoFi Technologies, Inc.

(SOFI) is the stronger pick with 28. 8% revenue growth year-over-year, versus 9. 2% for Mogo Inc. (MOGO). SoFi Technologies, Inc. (SOFI) offers the better valuation at 41. 0x trailing P/E (26. 5x forward), making it the more compelling value choice. Analysts rate SoFi Technologies, Inc. (SOFI) a "Hold" — based on 27 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

Over the past 5 years, SoFi Technologies, Inc.

(SOFI) delivered a total return of -3. 1%, compared to -95. 7% for Mogo Inc. (MOGO). Over 10 years, the gap is even starker: SOFI returned +52. 7% versus MOGO's -83. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Mogo Inc.

(MOGO) is the lower-risk stock at 1. 88β versus SoFi Technologies, Inc. 's 2. 54β — meaning SOFI is approximately 35% more volatile than MOGO relative to the S&P 500. On balance sheet safety, SoFi Technologies, Inc. (SOFI) carries a lower debt/equity ratio of 17% versus 105% for Mogo Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), SoFi Technologies, Inc.

(SOFI) is pulling ahead at 28. 8% versus 9. 2% for Mogo Inc. (MOGO). On earnings-per-share growth, the picture is similar: Mogo Inc. grew EPS 22. 2% year-over-year, compared to 0. 0% for SoFi Technologies, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

SoFi Technologies, Inc.

(SOFI) is the more profitable company, earning 10. 1% net margin versus -19. 2% for Mogo Inc. — meaning it keeps 10. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SOFI leads at 11. 0% versus -5. 2% for MOGO. At the gross margin level — before operating expenses — SOFI leads at 75. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

None of the stocks in this comparison currently pay a material dividend.

All are effectively zero-yield and should be held for capital appreciation rather than income.

For long-horizon retirement investors, Mogo Inc.

(MOGO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. SoFi Technologies, Inc. (SOFI) carries a higher beta of 2. 54 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (MOGO: -83. 0%, SOFI: +52. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (MOGO (Technology) and SOFI (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: MOGO is a small-cap quality compounder stock; SOFI is a mid-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.