FOA
Finance Of America Companies Inc.
There isn't enough reported data to score FOA 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.
FOA Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
FOA's profitability is currently weak. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like FOA.
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.
FOA PE Valuation
FOA 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.
FOA Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| Low |
Analysts expect FOA's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over FOA on the outlook, with more favorable revenue expectations.
FOA Earnings Per Share
FOA 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.
FOA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $62.5M | -65% |
| Q1 2026 | $120.1M | -27% |
| Q3 2025 | $80.8M | -72% |
| Q2 2025 | $177.4M | +124% |
| Q1 2025 | $165.7M | +122% |
| Q1 2024 | $74.7M | -47% |
| Q4 2023 | $275.7M | +195% |
| Q1 2023 | $140.9M | -47% |
FOA's revenue has slid since its 2021 peak: $62M last quarter, down 65% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -114% | -160 points |
| Q1 2026 | 30% | -19 points |
| Q4 2025 | -30% | N/A |
| Q3 2025 | -35% | -107 points |
| Q2 2025 | 46% | +51 points |
| Q1 2025 | 49% | +70 points |
| Q3 2024 | 72% | N/A |
| Q2 2024 | -4.8% | N/A |
FOA's operating margin was −114% last quarter, down 160 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 FOA in the latest year-over-year revenue comparison.
| 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 FOA on profitability, with a higher operating margin.
FOA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$183.3M | -$86.8M |
| Q1 2026 | -$130.9M | -$38.8M |
| Q3 2025 | -$149.7M | -$68.4M |
| Q2 2025 | -$96.5M | +$7.5M |
| Q1 2025 | -$92.1M | +$40.6M |
| Q1 2024 | -$132.7M | -160% |
| Q4 2023 | -$61.3M | -118% |
| Q1 2023 | $219.9M | -31% |
FOA's free cash flow was −$555M over the past year, against −$374M the year before. Free cash flow isn't a meaningful measure for financial services companies like FOA.
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.
FOA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -12% | -2.2M shares |
| 1 year | -44% | -13.2M shares |
| 3 years | -11% | -2.1M shares |
FOA has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | $41.6M |
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 | — |
FOA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 7.8x | High |
| Q4 2025 | 1.8x | Healthy |
FOA's net debt is about 7.8 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like FOA.
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.
FOA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.9 | Neutral |
| Stochastic | 11.2 | Oversold |
FOA's weekly RSI is 33 (neutral) and its Stochastic is 11 (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).
FOA PE vs Financial Services Sector
FOA 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.
FOA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $12.2 | 10% below |
| 20 week MA | $17.4 | 37% below |
| 50 week MA | $19.5 | 44% below |
| 100 week MA | $21.5 | 49% below |
| 200 week MA | $16.8 | 35% below |
FOA is in a downtrend: it's below all five of its weekly moving averages, and 35% 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 FOA on trend strength, trading above more of its moving averages.
FOA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $100.3 | $106.5 | +6.2% |
| 2021 | $106.5 | $39.9 | -63% |
| 2022 | $39.9 | $12.9 | -68% |
| 2023 | $12.9 | $11.0 | -15% |
| 2024 | $11.0 | $27.0 | +146% |
| 2025 | $27.0 | $22.9 | -15% |
| 2026 YTD | $22.9 | $10.9 | -52% |
FOA's yearly returns have swung widely, from +146% in 2024 to −68% in 2022. It's down 52% 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 FOA on returns for 2026, with the stronger performance.