BAFN
BayFirst Financial Corp.
There isn't enough reported data to score BAFN 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.
BAFN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
BAFN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAFN.
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.
BAFN PE Valuation
BAFN 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.
BAFN Forward outlook
There aren't enough analyst estimates for BAFN 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.
BAFN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$10.38 | -$7.37 |
| Q2 2026 | -$15.00 | -920% |
| Q1 2026 | -$7.34 | -414% |
| Q4 2025 | -$5.97 | -328% |
| Q3 2025 | -$3.01 | -530% |
| Q2 2025 | $1.83 | +97% |
| Q1 2025 | $2.34 | +113% |
| Q4 2024 | $2.62 | +134% |
BAFN lost $10.38 per share over the past year, a bigger loss than 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 BAFN on earnings quality, reporting a profit while its opponent remains loss making.
BAFN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $10.6M | +3.8% |
| Q2 2026 | $2.6M | -89% |
| Q1 2026 | $10.3M | -48% |
| Q4 2025 | $9.9M | -70% |
| Q3 2025 | $10.2M | -53% |
| Q2 2025 | $23.1M | +11% |
| Q1 2025 | $19.8M | -14% |
| Q4 2024 | $32.9M | +40% |
BAFN's revenue has slid since its 2024 peak: $11M last quarter, up 3.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -9.6% | +243 points |
| Q2 2026 | -1685% | -1678 points |
| Q1 2026 | -77% | -75 points |
| Q4 2025 | -50% | -90 points |
| Q3 2025 | -253% | -260 points |
| Q2 2025 | -7.1% | -13 points |
| Q1 2025 | -2.3% | -7.5 points |
| Q4 2024 | 40% | +30 points |
BAFN's operating margin was −9.6% last quarter, up 243 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 BAFN on sales, with more consistent year-over-year improvement.
| 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 has the edge over BAFN on profitability, with a higher operating margin.
BAFN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$4M | -108% |
| Q2 2026 | $263K | -100% |
| Q1 2026 | -$3.2M | -104% |
| Q4 2025 | $101.3M | +3.9% |
| Q3 2025 | $47.3M | -48% |
| Q2 2025 | $63.1M | -19% |
| Q1 2025 | $74.1M | -40% |
| Q4 2024 | $97.5M | -23% |
BAFN has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
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.
BAFN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +478% | +19.6M shares |
| 1 year | +474% | +19.6M shares |
| 3 years | +445% | +19.4M shares |
| 5 years | +439% | +19.3M shares |
BAFN has 24M diluted shares, up 474% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $335,000 |
| Q4 2024 | — |
BAFN hasn't bought back shares in the past year.
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 the edge over BAFN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
BAFN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2025 | -2.1x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | -3.7x | Net Cash |
| Q3 2024 | -5.6x | Net Cash |
| Q2 2024 | 0.0x | Very low |
| Q1 2024 | -3.5x | Net Cash |
| Q4 2023 | -4.1x | Net Cash |
| Q3 2023 | -10.0x | Net Cash |
BAFN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BAFN.
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.
BAFN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.9 | Neutral |
| Stochastic | 22.1 | Neutral |
BAFN's weekly RSI is 48 (neutral) and its Stochastic is 22 (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).
BAFN PE vs Financial Services Sector
| Metric | BAFN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
BAFN 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.
BAFN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $6.34 | 2.1% below |
| 20 week MA | $6.57 | 5.5% below |
| 50 week MA | $6.64 | 6.5% below |
| 100 week MA | $9.92 | 37% below |
| 200 week MA | $11.6 | 47% below |
BAFN is in a downtrend: it's below all five of its weekly moving averages, and 47% 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 BAFN on trend strength, trading above more of its moving averages.
BAFN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.1 | $14.0 | -18% |
| 2021 | $14.0 | $22.5 | +61% |
| 2022 | $22.5 | $16.4 | -27% |
| 2023 | $16.4 | $13.1 | -20% |
| 2024 | $13.1 | $13.5 | +3.4% |
| 2025 | $13.5 | $7.80 | -42% |
| 2026 YTD | $7.80 | $6.21 | -20% |
BAFN 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.