FDSB
Fifth District Savings Bank
FDSB trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FDSB overall, supported by stronger modeled upside and stronger fundamentals.
FDSB Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Stable | |
| N/A | |
| N/A |
FDSB's profitability is currently stable, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like FDSB.
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.
FDSB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $6.19 | -65% |
| Fair | 24x | $7.86 | -55% |
| Current | 53x | $17.55 | — |
| Expensive | 56x | $18.62 | +6.1% |
Historical ranges are pointers, not guarantees.
FDSB's PE is in its expensive range at 53x.
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 FDSB in the historical PE scenario, which offers more potential upside but is not a forecast.
FDSB Forward outlook
There aren't enough analyst estimates for FDSB 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.
FDSB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $0.33 | -55% |
| Q2 2026 | $0.33 | -35% |
| Q1 2026 | $0.86 | +4200% |
FDSB earned $0.33 per share over the past year, down 55% from 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 FDSB in the latest year-over-year earnings comparison.
FDSB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $4M | +12% |
| Q2 2026 | $4M | -42% |
| Q1 2026 | $3.8M | +18% |
| Q4 2025 | $3.6M | +18% |
| Q3 2025 | $3.6M | +14% |
| Q2 2025 | $6.9M | +157% |
| Q1 2025 | $3.2M | +178% |
FDSB's revenue is recovering but still below its 2025 peak: $4M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 10% | -1.9 points |
| Q2 2026 | 12% | -32 points |
| Q1 2026 | 13% | +9.9 points |
| Q4 2025 | 17% | +13 points |
| Q3 2025 | 12% | +44 points |
| Q2 2025 | 44% | +12 points |
| Q1 2025 | 3.1% | +128 points |
| Q4 2024 | 4.2% | N/A |
FDSB's operating margin was 10% last quarter, down 1.9 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 FDSB 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 FDSB on profitability, with a higher operating margin.
FDSB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.1M | +1933% |
| Q2 2026 | $596K | +139% |
| Q1 2026 | $736K | -3.8% |
| Q4 2025 | -$126K | +$533K |
| Q3 2025 | $54K | -92% |
| Q2 2025 | $249K | +$750K |
| Q1 2025 | $765K | +$1.9M |
FDSB 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.
FDSB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +6K shares |
| 1 year | -5.2% | -267K shares |
FDSB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
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 | — |
FDSB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.7x | Net Cash |
| Q2 2026 | -7.1x | Net Cash |
| Q1 2026 | -4.5x | Net Cash |
| Q4 2025 | -7.0x | Net Cash |
| Q3 2025 | -7.9x | Net Cash |
| Q2 2025 | -9.4x | Net Cash |
| Q1 2025 | -37.9x | Net Cash |
FDSB has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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.
FDSB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.9 | Neutral |
| Stochastic | 44.1 | Neutral |
FDSB's weekly RSI is 57 (neutral) and its Stochastic is 44 (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).
FDSB PE vs Financial Services Sector
| Metric | FDSB | Sector median | Relative |
|---|---|---|---|
| PE | 53x | 13x | 308% above |
| PE % | 72 | 22 | 50 pts above |
FDSB is trading at 53x earnings, a 308% premium to the Financial Services sector's median of 13x.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI has the edge over FDSB on valuation relative to its sector.
FDSB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.5 | 0.6% above |
| 20 week MA | $17.7 | 1% below |
| 50 week MA | $16.1 | 9.1% above |
| 100 week MA | $14.5 | 21% above |
FDSB has stronger trend alignment. FDSB is above 3 of 4 weekly averages versus SOFI above 1 of 5.
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.
FDSB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $10.2 | $12.7 | +25% |
| 2025 | $12.7 | $15.0 | +19% |
| 2026 YTD | $15.0 | $17.6 | +17% |
FDSB 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.