AIO
Virtus Artificial Intelligence & Technology Opportunities Fund
There isn't enough reported data to score AIO 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.
AIO Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Unavailable | |
| N/A | |
| N/A |
There isn't enough reported data to rate AIO's fundamentals.
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.
AIO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.2x | N/A | N/A |
| Current | 5.5x | $23.83 | — |
| Fair | 6.2x | N/A | N/A |
| Expensive | 9.3x | N/A | N/A |
Historical ranges are pointers, not guarantees.
AIO's PE is 5.5x, but its earnings don't support one, so it isn't a reliable read right now.
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.
AIO Forward outlook
There aren't enough analyst estimates for AIO to show an outlook.
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.
AIO Earnings Per Share
AIO and SOFI do not have enough comparable growth data to identify a winner.
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 earned $0.56 per share over the past year, about the same as the year before.
AIO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2026 | $100.2M | +55% |
| Q3 2025 | $50M | -4% |
| Q1 2025 | $64.8M | +90% |
| Q3 2024 | $52.1M | +303% |
| Q1 2024 | $34.2M | +2293% |
| Q3 2023 | $12.9M | +106% |
AIO has the edge over SOFI in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2026 | 100% | -52 points |
| Q3 2025 | 98% | -219 points |
| Q1 2025 | 159% | -1100 points |
| Q3 2024 | 127% | +1706 points |
| Q1 2024 | 152% | N/A |
| Q3 2023 | 316% | +139 points |
| Q1 2023 | 1259% | +946 points |
| Q3 2022 | -1579% | N/A |
AIO's operating margin was 100% last quarter, down 52 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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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.
AIO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2025 | $8M | +70% |
| Q1 2025 | -$8.8M | +$1.9M |
| Q3 2024 | $4.7M | +$5.8M |
| Q1 2024 | -$10.7M | -$9.3M |
| Q3 2023 | -$1.1M | +$1.1M |
AIO's free cash flow was −$7M over the past year, against −$1M the year before. Free cash flow isn't a meaningful measure for financial services companies like AIO.
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.
AIO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +85.9K shares |
| 1 year | +0.5% | +175K shares |
AIO has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2025 | — |
| Q1 2025 | — |
| Q3 2024 | — |
| Q1 2024 | — |
| Q3 2023 | — |
| Q1 2023 | — |
| Q3 2022 | — |
| Q3 2020 | — |
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 | — |
AIO Net Leverage
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.
AIO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.6 | Neutral |
| Stochastic | 24.1 | Neutral |
AIO's weekly RSI is 46 (neutral) and its Stochastic is 24 (neutral).
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).
AIO PE vs Financial Services Sector
| Metric | AIO | Sector median | Relative |
|---|---|---|---|
| PE | 5.5x | 13x | 58% below |
| PE % | 30 | 63 | 33 pts below |
AIO has the edge over SOFI on valuation relative to its sector.
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.
AIO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $24.0 | 0.6% below |
| 20 week MA | $25.1 | 5.2% below |
| 50 week MA | $24.4 | 2.2% below |
| 100 week MA | $23.9 | 0.3% below |
| 200 week MA | $21.5 | 11% above |
AIO has fallen below most of its moving averages, though it's still 11% above 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 fallen below most of its moving averages, though it's still 16% above its 200-week average.
AIO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $20.1 | $26.5 | +32% |
| 2021 | $26.5 | $25.0 | -5.6% |
| 2022 | $25.0 | $16.3 | -35% |
| 2023 | $16.3 | $17.4 | +7% |
| 2024 | $17.4 | $25.1 | +44% |
| 2025 | $25.1 | $23.2 | -7.6% |
| 2026 YTD | $23.2 | $23.8 | +2.8% |
AIO has the edge over SOFI on returns for 2026, with the stronger performance.
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's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.