INTR
Inter & Co, Inc.
INTR trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over INTR overall, supported by lower modeled downside and stronger valuation.
INTR Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
INTR's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like INTR.
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.
INTR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 6.4x | $3.96 | — |
| Cheap | 9.4x | $5.82 | +47% |
| Fair | 17x | $10.51 | +165% |
| Expensive | 60x | $37.23 | +840% |
Historical ranges are pointers, not guarantees.
INTR has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
INTR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for INTR, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over INTR on the outlook, with more favorable profitability expectations.
INTR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.62 | +38% |
| Q1 2026 | $0.58 | +41% |
| Q4 2025 | $0.54 | +46% |
| Q3 2023 | $0.08 | +$0.10 |
| Q2 2023 | $0.03 | +200% |
| Q1 2023 | -$0.00 | -100% |
| Q4 2022 | -$0.01 | -150% |
| Q3 2022 | -$0.02 | -200% |
INTR's earnings per share have climbed steadily: $0.62 over the past year, up 38% from the year before, and higher year over year for nine quarters in a row.
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.
INTR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $820.6M | +34% |
| Q1 2026 | $750.6M | +39% |
| Q4 2025 | $737.3M | +48% |
| Q3 2025 | $683.2M | +52% |
| Q2 2025 | $613.6M | +52% |
| Q1 2025 | $540.1M | +39% |
| Q4 2024 | $498.7M | +112% |
| Q3 2024 | $449.7M | +23% |
INTR has the edge over SOFI on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 11% | +0.2 points |
| Q1 2026 | 11% | -0.5 points |
| Q4 2025 | 11% | -0.9 points |
| Q3 2025 | 11% | -0.8 points |
| Q2 2025 | 11% | -2 points |
| Q1 2025 | 12% | -0.8 points |
| Q4 2024 | 12% | -1.3 points |
| Q3 2024 | 12% | +4.6 points |
INTR's operating margin was 11% last quarter, about level with 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 has the edge over INTR on profitability, with a higher operating margin.
INTR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$587.3M | -236% |
| Q1 2026 | $56.3M | -74% |
| Q4 2025 | $212.4M | -45% |
| Q3 2025 | -$155.9M | -602% |
| Q2 2025 | $431M | +570% |
| Q1 2025 | $213.9M | +$437.3M |
| Q3 2024 | $31M | -90% |
| Q2 2024 | $64.3M | -89% |
INTR has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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.
INTR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +2.2M shares |
| 1 year | +0.9% | +3.9M shares |
| 3 years | +11% | +46M shares |
| 5 years | +12% | +46.6M shares |
| Available history | -79% | -1.7B shares |
INTR has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $48,657 |
| Q3 2025 | $5.9M |
| Q2 2025 | $1M |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $39,007 |
INTR spent $6M buying back its own shares over the past year, about six times what it spent the year before.
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 | — |
INTR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 9.7x | High |
| Q1 2026 | 10.2x | High |
| Q4 2025 | 9.5x | High |
| Q3 2025 | 4.3x | High |
| Q2 2025 | 4.7x | High |
| Q1 2025 | 5.2x | High |
| Q4 2024 | 3.6x | Elevated |
| Q3 2024 | 4.6x | High |
INTR's net debt is about 9.7 years of its operating earnings (EBITDA), up from 4.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like INTR.
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 INTR on leverage, with a lower net debt burden relative to earnings.
INTR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.6 | Neutral |
| Stochastic | 3.4 | Oversold |
INTR's weekly RSI is 38 (neutral) and its Stochastic is 3 (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).
INTR PE vs Financial Services Sector
| Metric | INTR | Sector median | Relative |
|---|---|---|---|
| PE | 6.4x | 13x | 51% below |
| PE % | 2 | 59 | 57 pts below |
INTR 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.
INTR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $5.50 | 28% below |
| 20 week MA | $5.48 | 28% below |
| 50 week MA | $6.82 | 42% below |
| 100 week MA | $6.86 | 42% below |
| 200 week MA | $5.78 | 31% below |
INTR is in a downtrend: it's below all five of its weekly moving averages, and 31% 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 INTR on trend strength, trading above more of its moving averages.
INTR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2022 | $3.39 | $2.13 | -37% |
| 2023 | $2.13 | $5.56 | +161% |
| 2024 | $5.56 | $4.25 | -24% |
| 2025 | $4.25 | $8.45 | +99% |
| 2026 YTD | $8.45 | $3.96 | -53% |
INTR has finished lower in two of the last four years. It's down 53% 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 INTR on returns for 2026, with the stronger performance.