Robinhood vs SoFi Technologies
Customers +7%, assets +67% — the blitz moved from account counts to asset share. Three points below the bar: elite growth, discounted trust.
SoFi Technologies by 1
| Item | Max | Robinhood | SoFi Technologies |
|---|---|---|---|
| Blitz Index total | / 100 | 61 | 62 |
| Grade | — | B | B |
| A · Speed | / 25 | 18 | 18 |
| B · Moat | / 60 | 39 | 39 |
| C · Creative destruction | / 15 | 13 | 9 |
| D · Demerits | / 30 | -9 | -4 |
The success line is 65. Demerits (section D) are subtracted; a demerit total of 15 or more flags a company for BlitzFailing watch. Scores as of the 2026 Q4 review.
Verdict — business structure only
Nearly tied (61 vs 62) with identical speed (18) and moat (39). The difference is creative destruction (13 vs 9) and demerits (-9 vs -4). Robinhood's creative destruction (13) reflects democratized finance as a distribution strategy (brokerage to banking superapp), while SoFi's (9) is a branchless bank with a cloud core. Robinhood's demerits (-9) are heavier (founder voting control, fines, prediction-market grey zones) than SoFi's (-4). The structural difference is that Robinhood monetizes attention and asset share while SoFi monetizes a bank charter and cross-sell.
Key figures
| Robinhood | Figure |
|---|---|
| Total platform assets | $322B (+67%) |
| ARPU | $171 |
| SoFi Technologies | Figure |
|---|---|
| Growth | TTM +~42% |
| Net interest margin | 6.14% |
Key figures are from the companies' published score files (the scorecard's English summary). A figure is shown only where the score file states it.
Full scorecards: Robinhood — Blitz Index 61 · SoFi Technologies — Blitz Index 62
Run your own pairing: open this pair in the interactive compare tool, or pick any two of the 157 scored companies.
How to read this
Both companies passed the same two gates before scoring: real product-market traction (G1), and a ten-year market ceiling of at least ten times current revenue (G2). The Blitz Index then grades speed (25), moat (60) and creative destruction (15), and subtracts BlitzFailing demerits (up to −30) for debt, revenue quality, governance and regulatory cost. The model is frozen at v1.0; past scores are never silently rewritten. Our own pre-registered tests found the score measures business quality — it does not predict stock returns.
Research only — not investment advice. Scores measure blitzscaling strategy from public data. Not a recommendation to buy, sell, or hold any security.