SoFi vs Wealthfront
Business model, scale, and a side-by-side Litmus framework score — which model wins, and for whom.
SoFi is the broad one-stop bank with a charter; Wealthfront is the focused, profitable automated-investing specialist.
At a glance
| Metric | SoFi | Wealthfront |
|---|---|---|
| Revenue | ~$1.0B (Q4 2025 adjusted net revenue) | $338.6M (TTM to Jul 2025) |
| Profit | $173.5M (Q4 2025 GAAP net income) | $122.8M net income (TTM to Jul 2025) |
| Active users | 13.65M members | ~1.3M clients |
| Employees | ~4,500 | ~250+ |
| Founded | 2011 | 2008 |
| HQ | San Francisco, USA | Palo Alto, CA |
LLitmus Framework Score
Overall: SoFi 85 · Wealthfront 91
Customer Segment
87
96
Value Proposition
88
98
Marketing Channel
82
85
Engagement
85
92
Income Source
86
88
Asset Validation
89
95
Core Operations
84
91
Strategic Alliance
80
83
Expense Validation
83
89
SoFi leads 0 modules, Wealthfront leads 9. Overall edge: Wealthfront.
Head to head
| Dimension | SoFi | Wealthfront |
|---|---|---|
| Scope | Loans, banking, investing, credit cards | Automated investing + cash |
| Charter | Holds a national bank charter (2022) | No bank charter (partner banks) |
| Profitability | Recently turned profitable | $122.8M net income (TTM Jul 2025) |
| Positioning | Mass-market financial super-app | Mass-affluent automation |
FAQ
Is SoFi or Wealthfront a better business?
SoFi is the broad one-stop bank with a charter; Wealthfront is the focused, profitable automated-investing specialist. It depends on what you optimise for — see the module-by-module breakdown above.
What is the difference between SoFi and Wealthfront's business model?
SoFi operates in Fintech (Get your money right), while Wealthfront is Fintech / WealthTech (Get a head start on your wealth). Their revenue, scale and Litmus scores are compared in detail above.
Which is more profitable, SoFi or Wealthfront?
SoFi: $173.5M (Q4 2025 GAAP net income). Wealthfront: $122.8M net income (TTM to Jul 2025).