FINV
FinVolution Group
There isn't enough reported data to score FINV 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.
FINV Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
FINV's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FINV.
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.
FINV PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 2.5x | $2.77 | +1.7% |
| Current | 2.5x | $2.72 | — |
| Fair | 4.1x | $4.47 | +64% |
| Expensive | 5.8x | $6.43 | +136% |
Historical ranges are pointers, not guarantees.
FINV's PE is 2.5x, 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 has the edge over FINV in the historical PE scenario, which offers more potential upside but is not a forecast.
FINV Forward outlook
There aren't enough analyst estimates for FINV 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.
FINV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $1.10 | -31% |
| Q1 2026 | $1.25 | -16% |
| Q4 2025 | $1.43 | +6.7% |
| Q3 2025 | $1.58 | +27% |
| Q2 2025 | $1.59 | +34% |
| Q1 2025 | $1.48 | +25% |
| Q4 2024 | $1.34 | +7.2% |
| Q3 2024 | $1.24 | -0.8% |
FINV's earnings per share have fallen from their peak: $1.10 over the past year, against $1.59 in mid-2025.
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.
FINV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $509.3M | -5.2% |
| Q1 2026 | $478.8M | -8.3% |
| Q4 2025 | $447.5M | -14% |
| Q3 2025 | $523.2M | +6.4% |
| Q2 2025 | $536.9M | +13% |
| Q1 2025 | $522.4M | +10% |
| Q4 2024 | $518.8M | +5.5% |
| Q3 2024 | $491.6M | +2.5% |
FINV's revenue is shrinking: $509M last quarter, down 5.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 17% | -5.9 points |
| Q1 2026 | 17% | -8.9 points |
| Q4 2025 | 16% | -6.8 points |
| Q3 2025 | 21% | +3.9 points |
| Q2 2025 | 23% | +5.2 points |
| Q1 2025 | 25% | +5.5 points |
| Q4 2024 | 23% | +7.1 points |
| Q3 2024 | 17% | -0.2 points |
FINV's operating margin was 17% last quarter, down 5.9 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 FINV 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 FINV on profitability, with a higher operating margin.
FINV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q1 2026 | $33.9M | -56% |
| Q4 2025 | $0 | -100% |
| Q3 2025 | $130.8M | -45% |
| Q2 2025 | $1.3M | -99% |
| Q1 2025 | $76.9M | +145% |
| Q4 2024 | $19.2M | +$99.4M |
| Q3 2024 | $236.8M | +785% |
| Q2 2024 | $144.9M | +91% |
FINV has the stronger cash trend. Its trailing FCF is down 7.4% 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.
FINV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.5% | -6.3M shares |
| 1 year | -5.3% | -14.1M shares |
| 3 years | -12% | -34.3M shares |
| 5 years | -16% | -47M shares |
| Available history | -21% | -65.5M shares |
FINV has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q1 2026 | $5.9M |
| Q4 2025 | $111.8M |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $2.1M |
| Q4 2024 | $96.5M |
| Q3 2024 | — |
| Q2 2024 | — |
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 | — |
FINV Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -1.4x | Net Cash |
| Q1 2026 | -2.0x | Net Cash |
| Q4 2025 | -1.6x | Net Cash |
| Q3 2025 | -6.5x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -1.9x | Net Cash |
| Q4 2024 | -1.8x | Net Cash |
| Q3 2024 | -2.2x | Net Cash |
FINV has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FINV.
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 the edge over FINV on leverage, with a lower net debt burden relative to earnings.
FINV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 27.8 | Oversold |
| Stochastic | 3.6 | Oversold |
FINV's weekly RSI is 28 (oversold) 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).
FINV PE vs Financial Services Sector
| Metric | FINV | Sector median | Relative |
|---|---|---|---|
| PE | 2.5x | 13x | 81% below |
| PE % | 16 | 63 | 47 pts below |
FINV 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.
FINV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $2.95 | 7.8% below |
| 20 week MA | $3.72 | 27% below |
| 50 week MA | $4.55 | 40% below |
| 100 week MA | $6.26 | 57% below |
| 200 week MA | $5.66 | 52% below |
FINV is in a downtrend: it's below all five of its weekly moving averages, and 52% 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 FINV on trend strength, trading above more of its moving averages.
FINV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $2.46 | $2.36 | -4.1% |
| 2021 | $2.36 | $4.90 | +108% |
| 2022 | $4.90 | $5.09 | +3.9% |
| 2023 | $5.09 | $4.90 | -3.7% |
| 2024 | $4.90 | $6.86 | +40% |
| 2025 | $6.86 | $5.42 | -21% |
| 2026 YTD | $5.42 | $2.72 | -50% |
FINV has finished lower in three of the last six years. It's down 50% 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 FINV on returns for 2026, with the stronger performance.