BBAR
Banco BBVA Argentina S.A.
There isn't enough reported data to score BBAR 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.
BBAR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
BBAR's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like BBAR.
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.
BBAR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.5x | $1.32 | -87% |
| Fair | 8.4x | $3.20 | -69% |
| Current | 9.1x | $10.35 | — |
| Expensive | 16x | $5.96 | -42% |
Historical ranges are pointers, not guarantees.
BBAR's PE is 9.1x, 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 has the edge over BBAR in the historical PE scenario, which offers more potential upside but is not a forecast.
BBAR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for BBAR, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over BBAR on the outlook, with more favorable profitability expectations.
BBAR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2024 | $0.38 | +124% |
| Q4 2023 | $0.17 | +183% |
| Q4 2022 | $0.06 | +500% |
| Q4 2021 | $0.01 | 0% |
| Q4 2020 | $0.01 | -50% |
| Q4 2019 | $0.02 | -33% |
| Q4 2018 | $0.03 | +50% |
| Q3 2018 | $0.03 | +50% |
BBAR has the stronger earnings trend. Trailing diluted EPS is up 3,700% for BBAR versus SOFI flat.
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.
BBAR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2018 | $14M | +138% |
| Q3 2018 | $11.2M | +105% |
| Q2 2018 | $7.7M | +61% |
| Q1 2018 | $7.3M | +74% |
| Q4 2017 | $5.9M | +39% |
| Q3 2017 | $5.4M | +25% |
| Q2 2017 | $4.8M | +4.4% |
| Q1 2017 | $4.2M | -3.4% |
BBAR has the stronger quarterly revenue trend. Revenue is up 138% for BBAR versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2018 | 20% | -4 points |
| Q3 2018 | 24% | +0.4 points |
| Q2 2018 | 25% | +4.3 points |
| Q1 2018 | 20% | -10 points |
| Q4 2017 | 24% | +8.6 points |
| Q3 2017 | 24% | +1 points |
| Q2 2017 | 20% | N/A |
| Q1 2017 | 30% | N/A |
BBAR's operating margin was 20% last quarter, down 4 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.
BBAR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2018 | $21M | +$21.2M |
| Q3 2018 | $9.1M | +$20.1M |
| Q2 2018 | $2.1M | +$2.2M |
| Q1 2018 | -$1.7M | +$1.5M |
| Q4 2017 | -$176.7K | -$71.6K |
| Q3 2017 | -$11M | -468% |
| Q2 2017 | -$113.6K | -104% |
BBAR has the stronger cash trend. Its trailing FCF is up 618% versus its history, compared with SOFI at down 107%.
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.
BBAR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -- |
| 3 years | +251% | +438M shares |
BBAR has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2018 | — |
| Q3 2018 | — |
| Q2 2018 | — |
| Q1 2018 | — |
| Q4 2017 | — |
| Q3 2017 | — |
| Q2 2017 | — |
| Q1 2017 | — |
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 | — |
BBAR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2024 | -5.2x | Net Cash |
| Q4 2023 | -3.3x | Net Cash |
| Q4 2022 | -4.4x | Net Cash |
| Q4 2021 | -11.1x | Net Cash |
| Q4 2020 | -6.9x | Net Cash |
| Q4 2019 | -6.7x | Net Cash |
| Q4 2018 | -7.9x | Net Cash |
| Q3 2018 | -7.0x | Net Cash |
BBAR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BBAR.
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.
BBAR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.4 | Neutral |
| Stochastic | 2.1 | Oversold |
BBAR's weekly RSI is 32 (neutral) and its Stochastic is 2 (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).
BBAR PE vs Financial Services Sector
| Metric | BBAR | Sector median | Relative |
|---|---|---|---|
| PE | 9.1x | 13x | 30% below |
| PE % | 50 | 63 | 13 pts below |
BBAR 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.
BBAR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $12.1 | 14% below |
| 20 week MA | $15.0 | 31% below |
| 50 week MA | $16.1 | 36% below |
| 100 week MA | $16.5 | 37% below |
| 200 week MA | $11.9 | 13% below |
BBAR is in a downtrend: it's below all five of its weekly moving averages, and 13% 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 BBAR on trend strength, trading above more of its moving averages.
BBAR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.74 | $3.14 | -45% |
| 2021 | $3.14 | $3.20 | +1.9% |
| 2022 | $3.20 | $3.60 | +13% |
| 2023 | $3.60 | $5.44 | +51% |
| 2024 | $5.44 | $19.7 | +262% |
| 2025 | $19.7 | $18.5 | -6.3% |
| 2026 YTD | $18.5 | $10.4 | -44% |
BBAR's yearly returns have swung widely, from +262% in 2024 to −45% in 2020. It's down 44% 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 BBAR on returns for 2026, with the stronger performance.