Head-to-head comparison across ratings, fees, asset coverage, and platform breadth.
4.3 / 5
Strongest modern multi-asset broker for self-directed investors who want stocks, ETFs, options, bonds, Treasuries, crypto, IRAs, and 3.30% APY cash in one AI-native app. Unique options rebate, 6.07% Bond Account, and Agents — the first agentic-AI brokerage.
4.0 / 5
Best one-app financial life for beginners and casual investors. Unbeatable on $0 options + IPO access + 1% IRA match. Avoid if you trade OTC, options spreads professionally, or hold meaningful idle cash.
Each broker scored 0–5 across the same 8 dimensions.
Green cells mark the winner on each metric. Tie rows are uncoloured.
| Metric | Public.com | SoFi | Winner |
|---|---|---|---|
| OverallEditorial score | 4.30 / 5 | 4.00 / 5 | Public.com |
| Sub-ratingsCommissions & fees | 4.70 | 4.50 | Public.com |
| Sub-ratingsPlatforms & tools | 4.00 | 3.50 | Public.com |
| Sub-ratingsMobile app | 4.70 | 4.50 | Public.com |
| Sub-ratingsResearch | 3.50 | 3.00 | Public.com |
| Sub-ratingsEducation | 4.00 | 3.50 | Public.com |
| Sub-ratingsCustomer service | 3.00 | 3.50 | SoFi |
| Sub-ratingsRange of investments | 4.00 | 3.50 | Public.com |
| Sub-ratingsActive trading | 3.50 | 3.00 | Public.com |
| PricingLowest margin rate | 3.95% | 4.75% | Public.com |
| PricingDefault cash sweep yield | 3.30% | 0.01% | Public.com |
| PricingPFOF on equities | Accepts | Accepts | Tie |
| Asset class | Public.com | SoFi |
|---|---|---|
| OTC stocks | Limited | |
| Fractional shares | Yes | |
| Equity / ETF options (single + multi-leg) | Yes | |
| Index options (SPX, NDX, VIX, XSP, CBTX) | Yes | |
| Mutual funds | No | Yes |
| US Treasuries | Yes | No |
| Corporate bonds (Bond Account) | Yes | |
| Crypto IRA | Yes | |
| International stocks | Limited | No |
| IPOs | Yes | |
| Alternative assets (Otis) | Yes | |
| Direct Indexing Account | Yes | |
| OTC / Pink Sheets / OTCQB / OTCQX | No | |
| Fractional shares (Stock Bits) | Yes | |
| Options (single-leg + defined-risk spreads) | Yes | |
| Corporate / muni bonds | No | |
| IPO Investing | Yes | |
| Pre-IPO / Private funds | Yes |