AIFU
AIFU Inc.
There isn't enough reported data to score AIFU yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
AIFU Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
AIFU's profitability is currently weak. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like AIFU.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
AIFU PE Valuation
AIFU has no meaningful PE right now: it lost money over the past year.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
AIFU Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Strong decline | |
| -- | |
| Limited | |
| High |
Analysts expect AIFU's revenue to decline, with its earnings and profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
AIFU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2025 | -$673.99 | -2774% |
| Q4 2024 | $25.21 | +61% |
| Q4 2023 | $15.61 | +189% |
| Q4 2022 | $5.40 | -61% |
| Q4 2021 | $13.81 | -8% |
| Q4 2020 | $15.01 | +47% |
| Q4 2019 | $10.20 | -65% |
| Q4 2018 | $29.41 | +36% |
AIFU has swung to a loss: it lost $673.99 per share over the past year, after a profit the year before.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI has the edge over AIFU in the latest year-over-year earnings comparison.
AIFU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $83.5M | -69% |
| Q4 2024 | $271.5M | -43% |
| Q4 2023 | $480M | +15% |
| Q4 2022 | $417.4M | -15% |
| Q4 2021 | $490.9M | +0.1% |
| Q4 2020 | $490.5M | -12% |
| Q4 2019 | $556.2M | +6.8% |
| Q4 2018 | $520.9M | -15% |
AIFU's revenue has slid since its 2016 peak: $84M last quarter, down 83% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -7% | -16 points |
| Q4 2024 | -24% | -33 points |
| Q4 2023 | 6.1% | -6.5 points |
| Q4 2022 | 6.1% | -6.2 points |
| Q4 2021 | 9.2% | +2.6 points |
| Q4 2020 | 9.3% | +8.9 points |
| Q4 2019 | 13% | +9.9 points |
| Q4 2018 | 12% | +11 points |
AIFU's operating margin was −7% last quarter, down 16 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over AIFU in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
AIFU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | -$2.9M | -115% |
| Q4 2024 | $20.2M | +51% |
| Q4 2023 | $13.3M | +48% |
| Q4 2022 | $9M | -37% |
| Q4 2021 | $14.3M | -75% |
| Q4 2020 | $58.1M | +144% |
| Q4 2019 | $23.8M | -68% |
| Q4 2018 | $75.2M | +282% |
AIFU's free cash flow was $40M over the past year, down 77% from the year before. Free cash flow isn't a meaningful measure for financial services companies like AIFU.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
AIFU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -81% | -2.2M shares |
| 1 year | -81% | -2.2M shares |
| 3 years | -80% | -2M shares |
AIFU has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2019 | $1.2M |
| Q4 2018 | $22M |
| Q4 2015 | $941,847 |
| Q4 2012 | $1.4M |
| Q4 2011 | $2.1M |
| Q4 2010 | $5.6M |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
AIFU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2023 | -1.6x | Net Cash |
| Q4 2022 | -2.8x | Net Cash |
AIFU has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like AIFU.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
AIFU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 31.7 | Neutral |
| Stochastic | 3.5 | Oversold |
AIFU's weekly RSI is 32 (neutral) and its Stochastic is 4 (oversold).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
AIFU PE vs Financial Services Sector
| Metric | AIFU | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
AIFU has no meaningful PE right now: it lost money over the past year.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
AIFU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.4 | 11% below |
| 20 week MA | $21.0 | 56% below |
| 50 week MA | $33.6 | 73% below |
| 100 week MA | $80.3 | 89% below |
| 200 week MA | $1,076.1 | 99% below |
AIFU is in a downtrend: it's below all five of its weekly moving averages, and 99% below its 200-week average.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has the edge over AIFU on trend strength, trading above more of its moving averages.
AIFU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10,180.0 | $4,984.0 | -51% |
| 2021 | $4,984.0 | $2,900.0 | -42% |
| 2022 | $2,900.0 | $3,100.0 | +6.9% |
| 2023 | $3,100.0 | $2,660.0 | -14% |
| 2024 | $2,660.0 | $456.0 | -83% |
| 2025 | $456.0 | $57.0 | -88% |
| 2026 YTD | $57.0 | $9.18 | -84% |
AIFU has finished three years in a row lower, and it's down 84% so far in 2026.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI has the edge over AIFU on returns for 2026, with the stronger performance.