INBK
First Internet Bancorp
INBK has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over INBK overall, supported by stronger valuation and stronger modeled upside.
INBK Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
INBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like INBK.
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.
INBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 5.9x | $25.40 | — |
| Cheap | 6.6x | $11.23 | -56% |
| Fair | 9.8x | $16.69 | -34% |
| Expensive | 15x | $25.81 | +1.6% |
| Current | 15x | $25.40 | — |
Historical ranges are pointers, not guarantees.
INBK's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 5.9x next year's earnings, in its cheap range.
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 INBK in the historical PE scenario, which offers more potential upside but is not a forecast.
INBK Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for INBK, with profitability improving.
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.
INBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.33 | +155% |
| Q3 2026 | $1.70 | +$5.51 |
| Q2 2026 | -$3.60 | -306% |
| Q1 2026 | -$3.85 | -260% |
| Q4 2025 | -$4.03 | -240% |
| Q3 2025 | -$3.81 | -252% |
| Q2 2025 | $1.75 | -17% |
| Q1 2025 | $2.40 | +28% |
| Q4 2024 | $2.88 | +203% |
INBK has returned to profit: it earned $1.70 per share over the past year, after losing money 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 INBK on earnings, with more consistent year-over-year improvement.
INBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $43.9M | +670% |
| Q2 2026 | $41.1M | +23% |
| Q1 2026 | $43.1M | +21% |
| Q4 2025 | $41.7M | +5.6% |
| Q3 2025 | $5.7M | -83% |
| Q2 2025 | $33.5M | +3.7% |
| Q1 2025 | $35.5M | +22% |
| Q4 2024 | $39.5M | +45% |
INBK's revenue has grown year over year for four quarters in a row: $44M last quarter, up 670% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | +968 points |
| Q2 2026 | 3.9% | +9.4 points |
| Q1 2026 | 4.1% | +4 points |
| Q4 2025 | 13% | -7.9 points |
| Q3 2025 | -956% | -979 points |
| Q2 2025 | -5.5% | -24 points |
| Q1 2025 | 0.1% | -19 points |
| Q4 2024 | 21% | +8 points |
INBK's operating margin was 12% last quarter, up 968 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 INBK 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 INBK on profitability, with a higher operating margin.
INBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $29.4M | -21% |
| Q2 2026 | $24.3M | +$115.1M |
| Q1 2026 | $75.3M | +131% |
| Q4 2025 | $23.4M | +$30.1M |
| Q3 2025 | $37M | +$37.2M |
| Q2 2025 | -$90.8M | -687% |
| Q1 2025 | $32.6M | +1663% |
| Q4 2024 | -$6.7M | -156% |
INBK 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.
INBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +43.9K shares |
| 1 year | +1.4% | +124K shares |
| 3 years | -7.6% | -729K shares |
INBK has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2025 | $521,000 |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | $283,000 |
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 | — |
INBK Net Leverage
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.
INBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.8 | Neutral |
| Stochastic | 16.8 | Oversold |
INBK's weekly RSI is 47 (neutral) and its Stochastic is 17 (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).
INBK PE vs Financial Services Sector
| Metric | INBK | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 82 | 63 | 19 pts above |
INBK 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.
INBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.1 | 2.8% below |
| 20 week MA | $27.4 | 7.1% below |
| 50 week MA | $24.3 | 4.4% above |
| 100 week MA | $25.0 | 1.7% above |
| 200 week MA | $25.5 | 0.3% below |
INBK has the edge over SOFI on trend strength, trading above more of its moving averages.
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.
INBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.1 | $28.9 | +20% |
| 2021 | $28.9 | $44.6 | +54% |
| 2022 | $44.6 | $24.6 | -45% |
| 2023 | $24.6 | $24.2 | -1.7% |
| 2024 | $24.2 | $36.6 | +51% |
| 2025 | $36.6 | $20.5 | -44% |
| 2026 YTD | $20.5 | $25.4 | +24% |
INBK 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.