NCPL
Netcapital Inc.
There isn't enough reported data to score NCPL 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.
NCPL Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
NCPL's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like NCPL.
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.
NCPL PE Valuation
NCPL 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.
NCPL Forward outlook
There aren't enough analyst estimates for NCPL 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.
NCPL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2026 | -$13.41 | +$8.90 |
| Q4 2025 | -$14.66 | +$19.38 |
| Q3 2025 | -$16.56 | +$12.34 |
| Q2 2025 | -$20.39 | +$8.31 |
| Q1 2025 | -$22.31 | -1694% |
| Q4 2024 | -$34.04 | -190% |
| Q3 2024 | -$28.90 | -176% |
| Q2 2024 | -$28.70 | -165% |
SOFI has the stronger earnings trend. Trailing diluted EPS is down 160% for NCPL versus SOFI flat.
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.
NCPL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2026 | $94.3K | -38% |
| Q4 2025 | $51.1K | -70% |
| Q3 2025 | $190.1K | +34% |
| Q2 2025 | $404K | +16% |
| Q1 2025 | $152.7K | -85% |
| Q4 2024 | $170.5K | -92% |
| Q3 2024 | $142.2K | -91% |
| Q2 2024 | $347.2K | -89% |
SOFI has the stronger quarterly revenue trend. Revenue is down 38% for NCPL versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2026 | -2305% | -1199 points |
| Q4 2025 | -4150% | -2858 points |
| Q3 2025 | -1729% | +35 points |
| Q2 2025 | -476% | -32 points |
| Q1 2025 | -1105% | -990 points |
| Q4 2024 | -1292% | -1294 points |
| Q3 2024 | -1764% | -1714 points |
| Q2 2024 | -444% | -487 points |
NCPL's operating margin was −2305% last quarter, down 1199 points from the same quarter a year ago, near the bottom of its range since 2019.
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's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
NCPL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q1 2026 | -$868.7K | +$294.8K |
| Q4 2025 | -$2.6M | -$1.1M |
| Q3 2025 | -$4.2M | -$2.3M |
| Q2 2025 | -$724.6K | +$589.3K |
| Q1 2025 | -$1.2M | +$456.6K |
| Q4 2024 | -$1.5M | -$1M |
| Q3 2024 | -$2M | -$499.6K |
| Q2 2024 | -$1.3M | -$111.4K |
SOFI has the stronger cash trend. Its trailing FCF is down 107% versus its history, compared with NCPL at down 113%.
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.
NCPL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +17% | +802K shares |
| 1 year | +492% | +4.7M shares |
| 3 years | +12288% | +5.6M shares |
| 5 years | +94496% | +5.6M shares |
NCPL has 6M diluted shares, up 492% from a year ago.
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 the edge over NCPL on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
NCPL 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.
NCPL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.6 | Neutral |
| Stochastic | 54.1 | Neutral |
NCPL's weekly RSI is 60 (neutral) and its Stochastic is 54 (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).
NCPL PE vs Financial Services Sector
| Metric | NCPL | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
NCPL 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.
NCPL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.50 | 17% above |
| 20 week MA | $0.88 | 99% above |
| 50 week MA | $0.73 | 140% above |
| 100 week MA | $1.58 | 11% above |
| 200 week MA | $17.7 | 90% below |
NCPL 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.
NCPL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $966.0 | $546.0 | -43% |
| 2021 | $546.0 | $1,050.0 | +92% |
| 2022 | $1,050.0 | $86.8 | -92% |
| 2023 | $86.8 | $14.9 | -83% |
| 2024 | $14.9 | $2.14 | -86% |
| 2025 | $2.14 | $0.77 | -64% |
| 2026 YTD | $0.77 | $1.75 | +127% |
NCPL 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.