BULL vs SOFI: Which Is the Better Buy in 2026?

Same yardstick, side by side (as of August 2026). Valuation lined up like this is most meaningful for two names in the same corner of the market, which these are. Figures are approximate; verify before investing.

Reading it: SOFI is the cheaper of the two on forward earnings, but cheaper is not the same as better. Pair the valuation with growth (how far the forward P/E sits below the trailing P/E) and risk (beta) before you decide.

The metrics above tell you which is the marginally better business. The bigger risk for most people is not picking the slightly worse stock, it is over-concentrating. BULL and SOFI share themes, so owning both, or adding either to what you already hold, can quietly push a large share of your portfolio into one bet.

This is the part a generic comparison page cannot answer, because it depends on what you own. Connect your brokerage and Walnut shows your real, combined BULL and SOFI exposure, flags overlap with your existing positions, and tells you if adding one would tip you past a concentration you are comfortable with, read-only by default, with your login staying at your broker. Walnut is not an investment adviser.

Webull Corporation operates Webull, a mobile-first digital investment platform that lets retail investors trade stocks, ETFs, options, futures, fractional shares, and in some markets digital assets, with round-the-clock access to global markets. It serves more than 26 million registered users across roughly 14 markets in North America, Asia Pacific, Europe, and Latin America through a network of licensed brokerage entities. Its business earns money in two main ways: trading-related revenue, which in the United States leans heavily on payment for order flow (options are the larger share of those rebates), and interest-related income from margin loans, stock lending, and interest on client cash balances. In its first full year as a public company it reported record revenue of about $571 million (up 46%) and record net deposits of $8.6 billion (up 91%).

Full BULL guide

SoFi Technologies is a digital-first financial services company built around a mobile app that bundles lending, banking, investing, and credit cards, and it holds a national bank charter that lets it fund loans with lower-cost deposits. Its three reporting segments are Lending (personal, student, and home loans), Financial Services (checking and savings, SoFi Money, invest, credit card, and the Loan Platform Business that originates loans on behalf of partners), and the Technology Platform (Galileo and the Technisys core-banking stack, which provide payments and banking rails to other fintechs and brands). Total members reached roughly 14.7 million and total products about 22.2 million as of Q1 2026.

Full SOFI guide

Both fit overlapping themes, but they are not interchangeable. The useful comparison is which set of drivers and risks you want exposure to.

• BULL drivers: User and asset growth; Two revenue engines: trading and interest.
• SOFI drivers: Member and product growth flywheel; Shift to fee-based, capital-light revenue.

A faster-growing, richer-valued name usually swings harder, so it suits a longer horizon and a higher tolerance for volatility; a steadier, more cash-generative business suits a more conservative or income-minded investor. The honest test is which set of risks you could hold through a drawdown: Webull's revenue is tied closely to retail trading activity, so a quieter market or lower volumes can hit trading-related revenue quickly. For SOFI, soFi carries meaningful consumer-credit exposure, so a weaker economy or rising unemployment could lift charge-offs on personal and student loans and pressure earnings.

Growth-minded investors who believe the theme has years to run tend to accept the richer multiple for more upside; value-minded investors lean toward the cheaper forward earnings and steadier profile. Pick BULL if you believe its drivers more; SOFI if you believe its. Many investors hold both, but since they share themes, that is a concentrated bet, not diversification. Decide deliberately and check overlap. For the full detail, see the BULL and SOFI guides.

BULL. Figures are approximate and tied to the asOf date; verify live numbers before acting. Because Webull is not consistently profitable on a GAAP basis, a traditional P/E ratio is not meaningful, so the market values it on revenue growth, users, and assets rather than earnings. The gap between a slightly positive adjusted EPS and a GAAP loss is worth understanding, since it reflects non-cash and SPAC-related charges as well as the underlying run rate.

SOFI. SoFi trades at a clear premium to the consumer-finance industry, where forward P/E averages closer to 10x, reflecting expectations of continued 30-percent-range revenue growth. Full-year 2026 guidance points to adjusted net revenue of roughly $4.655 billion and adjusted EPS near 60 cents. The valuation embeds strong execution, so figures should be checked against the latest filings.

Headline figures (approximate, July 2026): BULL shows revenue (q1 2026 quarterly) ~$159.9 million, up 36% year over year, revenue (recent full year) ~$571 million, up 46%, registered users ~26 million+ across ~14 markets, customer assets ~$24 billion, up ~90% year over year; SOFI shows revenue (ttm) ~$3.9 billion, q1 2026 net revenue ~$1.1 billion (adj. +41% YoY), net income (ttm) ~$577 million, market cap ~$22 billion.

BULL and SOFI are related but distinct: same themes, different businesses and risks. Neither wins in the abstract; the right pick is whichever thesis you actually believe, sized so you are not over-concentrated in one theme. Walnut can show your combined BULL and SOFI exposure against your real portfolio. It is not an investment adviser.