QBTS

D-Wave Quantum Inc.

There isn't enough reported data to score QBTS yet.

SOFI

SoFi Technologies, Inc.

70
Fundamentals75/ 100
Valuation71/ 100
Upside potential80/ 100
Risk potential20/ 100

SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.

QBTS Fundamentals

MetricStatus
Under pressure
Weak
Weak
Unavailable

QBTS's revenue, profitability and cash flow are currently under pressure. There isn't enough data to rate its balance sheet.

SOFI Fundamentals

MetricStatus
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.

QBTS PE Valuation

QBTS has no meaningful PE right now: it lost money over the past year.

SOFI PE Valuation

CHEAPFAIREXPENSIVE39x78x116x155x
CHEAPFAIREXPENSIVE39x78x116x155x
LevelPEPriceVs current
Forward19x$15.63—
Current28x$15.63—
Cheap33x$18.24+17%
Fair43x$23.82+52%
Expensive53x$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.

QBTS Forward outlook

MetricOutlook
--
Losses steady
Strong growth
--
Limited
Low

Analysts expect QBTS's revenue to grow, with its earnings and profitability holding steady. However, they disagree widely on these estimates.

SOFI Forward outlook

MetricOutlook
Strongly improving
Strong growth
Strong growth
Strongly improving
Limited
Moderate

Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.

QBTS Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $9.84 on Nov 12.

There is not enough scenario data to compare QBTS and SOFI's risk to reward.

SOFI Risk to reward

ScenarioChangePrice
Upside+79%$27.97
Downside-20%$12.51

Calculated from the latest close: $15.63 on Nov 12.

There is not enough scenario data to compare QBTS and SOFI's risk to reward.

QBTS Earnings Per Share

Q3 2025: $-1.41Q4 2025: $-1.11Q1 2026: $-1.14Q2 2026: $-0.72Q3 2026: $-0.44
Q3 2025: $-1.41Q4 2025: $-1.11Q1 2026: $-1.14Q2 2026: $-0.72Q3 2026: $-0.44
QuarterTTM EPSYoY
Q3 2026-$0.44+$0.97

QBTS is still losing money, but far less than before: $0.44 per share over the past year, against $1.41 at its worst in late 2025.

SOFI Earnings Per Share

Q4 2023: $-0.36Q1 2024: $-0.29Q2 2024: $-0.22Q3 2024: $0.12Q4 2024: $0.39Q1 2025: $0.43Q2 2025: $0.50Q3 2025: $0.56Q4 2025: $0.39Q1 2026: $0.45Q2 2026: $0.49Q3 2026: $0.56Forward: $0.82
Q4 2023: $-0.36Q1 2024: $-0.29Q2 2024: $-0.22Q3 2024: $0.12Q4 2024: $0.39Q1 2025: $0.43Q2 2025: $0.50Q3 2025: $0.56Q4 2025: $0.39Q1 2026: $0.45Q2 2026: $0.49Q3 2026: $0.56Forward: $0.82
QuarterTTM EPSYoY
Forward$0.82+47%
Q3 2026$0.560%
Q2 2026$0.49-2%
Q1 2026$0.45+4.7%
Q4 2025$0.390%
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 QBTS in the latest year-over-year earnings comparison.

QBTS Quarterly Revenue

Q4 2024: $2MQ1 2025: $15MQ2 2025: $3MQ3 2025: $4MQ4 2025: $3MQ1 2026: $3MQ2 2026: $3MQ3 2026: $5M
Q4 2024: $2MQ1 2025: $15MQ2 2025: $3MQ3 2025: $4MQ4 2025: $3MQ1 2026: $3MQ2 2026: $3MQ3 2026: $5M
QuarterRevenueYoY
Q3 2026$4.5M+21%
Q2 2026$3.1M-0.6%
Q1 2026$2.9M-81%
Q4 2025$2.8M+19%

QBTS's revenue is recovering but still below its 2025 peak: $5M last quarter, up 21% from the same quarter a year ago.

SOFI Quarterly Revenue

Q4 2023: $615MQ1 2024: $645MQ2 2024: $599MQ3 2024: $697MQ4 2024: $734MQ1 2025: $772MQ2 2025: $855MQ3 2025: $962MQ4 2025: $1BQ1 2026: $1.1BQ2 2026: $1.2BQ3 2026: $1.4B
Q4 2023: $615MQ1 2024: $645MQ2 2024: $599MQ3 2024: $697MQ4 2024: $734MQ1 2025: $772MQ2 2025: $855MQ3 2025: $962MQ4 2025: $1BQ1 2026: $1.1BQ2 2026: $1.2BQ3 2026: $1.4B
QuarterRevenueYoY
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 QBTS on sales, with more consistent year-over-year improvement.

QBTS Free Cash Flow

Q4 2024: $1MQ1 2025: −$20MQ2 2025: −$16MQ3 2025: −$20MQ4 2025: −$20MQ1 2026: −$46MQ2 2026: −$33MQ3 2026: --
Q4 2024: $1MQ1 2025: −$20MQ2 2025: −$16MQ3 2025: −$20MQ4 2025: −$20MQ1 2026: −$46MQ2 2026: −$33MQ3 2026: --
QuarterFree cash flowYoY
Q2 2026-$32.9M-$16.9M
Q1 2026-$46M-$26.3M
Q4 2025-$20M-1977%

QBTS and SOFI do not have enough comparable growth data to identify a winner.

SOFI Free Cash Flow

Q4 2023: −$282MQ1 2024: $706MQ2 2024: −$521MQ3 2024: −$1.2BQ4 2024: −$242MQ1 2025: −$31MQ2 2025: −$1.5BQ3 2025: −$1.4BQ4 2025: −$1.1BQ1 2026: −$2.4BQ2 2026: −$4BQ3 2026: −$3.1B
Q4 2023: −$282MQ1 2024: $706MQ2 2024: −$521MQ3 2024: −$1.2BQ4 2024: −$242MQ1 2025: −$31MQ2 2025: −$1.5BQ3 2025: −$1.4BQ4 2025: −$1.1BQ1 2026: −$2.4BQ2 2026: −$4BQ3 2026: −$3.1B
QuarterFree cash flowYoY
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.

QBTS Total Shares

Q1 2025: 286MQ2 2025: 302MQ3 2025: 342MQ4 2025: 321MQ1 2026: 367MQ2 2026: 371M
Q1 2025: 286MQ2 2025: 302MQ3 2025: 342MQ4 2025: 321MQ1 2026: 367MQ2 2026: 371M
PeriodChange %Net change
Quarterly+0.9%+3.4M shares
1 year+23%+68.6M shares

QBTS has 371M diluted shares, up 23% from a year ago.

SOFI Total Shares

Q4 2023: 945MQ1 2024: 1BQ2 2024: 1.1BQ3 2024: 1.1BQ4 2024: 1.1BQ1 2025: 1.2BQ2 2025: 1.2BQ3 2025: 1.3BQ4 2025: 1.3BQ1 2026: 1.4BQ2 2026: 1.4BQ3 2026: 1.4B
Q4 2023: 945MQ1 2024: 1BQ2 2024: 1.1BQ3 2024: 1.1BQ4 2024: 1.1BQ1 2025: 1.2BQ2 2025: 1.2BQ3 2025: 1.3BQ4 2025: 1.3BQ1 2026: 1.4BQ2 2026: 1.4BQ3 2026: 1.4B
PeriodChange %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 QBTS on shareholder dilution, with a more favorable share count trend.

QBTS Net Leverage

QBTS's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.

SOFI Net Leverage

Q1 2024: -109.4xQ2 2024: -23.8xQ3 2024: -5.5xQ4 2024: -5.8xQ1 2025: -4.9xQ2 2025: -4.0xQ3 2025: -5.2xQ4 2025: -6.5xQ1 2026: -3.8xQ2 2026: -3.1xQ3 2026: -2.4x
Q1 2024: -109.4xQ2 2024: -23.8xQ3 2024: -5.5xQ4 2024: -5.8xQ1 2025: -4.9xQ2 2025: -4.0xQ3 2025: -5.2xQ4 2025: -6.5xQ1 2026: -3.8xQ2 2026: -3.1xQ3 2026: -2.4x
QuarterNet LeverageStatus
Q3 2026-2.4xNet Cash
Q2 2026-3.1xNet Cash
Q1 2026-3.8xNet Cash
Q4 2025-6.5xNet Cash
Q3 2025-5.2xNet Cash
Q2 2025-4.0xNet Cash
Q1 2025-4.9xNet Cash
Q4 2024-5.8xNet Cash

SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.

QBTS Weekly Momentum

MetricValueStatus
RSI31.7Neutral
Stochastic10.0Oversold

QBTS's weekly RSI is 32 (neutral) and its Stochastic is 10 (oversold).

SOFI Weekly Momentum

MetricValueStatus
RSI43.1Neutral
Stochastic41.5Neutral

SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).

QBTS PE vs Technology Sector

QBTS has no meaningful PE right now: it lost money over the past year.

SOFI PE vs Financial Services Sector

MetricSOFISector medianRelative
PE28x13x114% above
PE %26159 pts below

SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.

QBTS Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$12.823% below
20 week MA$16.340% below
50 week MA$19.950% below
100 week MA$17.644% below
200 week MA$9.464% above

QBTS has fallen below most of its moving averages, though it's still 4% above its 200-week average.

SOFI Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$15.70.7% below
20 week MA$17.07.8% below
50 week MA$18.917% below
100 week MA$18.917% below
200 week MA$13.516% above

SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.

QBTS Yearly ROI

YearStart priceEnd priceROI
2020$10.2$10.5+3.4%
2021$10.5$9.79-6.8%
2022$9.79$1.70-83%
2023$1.70$0.88-48%
2024$0.88$9.91+1026%
2025$9.91$25.3+155%
2026 YTD$25.3$9.84-61%

QBTS's yearly returns have swung widely, from +1026% in 2024 to −83% in 2022. It's down 61% so far in 2026.

SOFI Yearly ROI

YearStart priceEnd priceROI
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 QBTS on returns for 2026, with the stronger performance.

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