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.
SPLS
PIMCO US Stocks PLUS Active Bond Exchange Traded Fund
There isn't enough reported data to score SPLS yet.
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.
SPLS Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Healthy | |
| N/A | |
| N/A |
SPLS's profitability is currently healthy. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like SPLS.
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.
SPLS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 84x | $54.42 | -0.5% |
| Current | 84x | $54.70 | — |
| Fair | 85x | $55.09 | +0.7% |
| Expensive | 85x | $55.47 | +1.4% |
Historical ranges are pointers, not guarantees.
SPLS has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
SPLS Forward outlook
There aren't enough analyst estimates for SPLS to show an outlook.
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 stronger earnings trend. Trailing diluted EPS is flat for SOFI versus SPLS down 21%.
SPLS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2014 | $0.82 | +$1.11 |
| Q2 2014 | $0.85 | +$1.12 |
| Q1 2014 | $0.96 | +$1.22 |
| Q4 2013 | $0.75 | +2400% |
| Q3 2013 | -$0.29 | -122% |
| Q2 2013 | -$0.27 | -119% |
| Q1 2013 | -$0.26 | -118% |
| Q4 2012 | $0.03 | -98% |
SPLS's earnings per share have fallen from their peak: $0.65 over the past year, against $1.41 in early 2012.
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 stronger quarterly revenue trend. Revenue is up 44% for SOFI versus down 18% for SPLS.
| 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.
SPLS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2017 | $3.9B | -18% |
| Q2 2017 | $4.1B | -19% |
| Q1 2017 | $3B | -42% |
| Q3 2016 | $4.8B | -3.7% |
| Q2 2016 | $5.1B | -3.1% |
| Q1 2016 | $5.3B | -6.9% |
| Q3 2015 | $4.9B | -5.4% |
| Q2 2015 | $5.3B | -6.9% |
SPLS's revenue has slid since its 2011 peak: $3.9B last quarter, down 18% from the same quarter a year ago.
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 |
SPLS has the stronger cash trend. Its trailing FCF is up 31% versus its history, compared with SOFI at down 107%.
SPLS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2017 | -$31M | +$314M |
| Q2 2017 | $221M | -4.7% |
| Q1 2017 | $207M | +90% |
| Q3 2016 | -$345M | -$267M |
| Q2 2016 | $232M | -3.3% |
| Q1 2016 | $109M | +$134M |
| Q3 2015 | -$78M | +$40M |
| Q2 2015 | $240M | -23% |
SPLS's free cash flow was $982M over the past year, against −$82M the year before. Free cash flow isn't a meaningful measure for financial services companies like SPLS.
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 | — |
SPLS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +1M shares |
| 1 year | +1.7% | +11M shares |
| 3 years | -0.1% | -442K shares |
| 5 years | -6.5% | -46M shares |
| Available history | -10% | -72.9M shares |
SPLS has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
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.
SPLS Net Leverage
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).
SPLS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.6 | Neutral |
| Stochastic | 31.7 | Neutral |
SPLS's weekly RSI is 67 (neutral) and its Stochastic is 32 (neutral).
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI has the edge over SPLS on valuation relative to its sector.
SPLS PE vs Financial Services Sector
| Metric | SPLS | Sector median | Relative |
|---|---|---|---|
| PE | 84x | 13x | 543% above |
SPLS is trading at 84x earnings, a 543% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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 |
SPLS has stronger trend alignment. SOFI is above 1 of 5 weekly averages versus SPLS above 2 of 4.
SPLS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $54.9 | 0.4% below |
| 20 week MA | $55.0 | 0.5% below |
| 50 week MA | $39.0 | 40% above |
| 100 week MA | $24.0 | 128% above |
SPLS has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 128% above its 100-week average.
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.
SPLS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2016 | $9.62 | $9.22 | -4.2% |
| 2017 | $9.22 | $10.3 | +11% |
| 2026 YTD | $10.3 | $54.7 | +434% |
SPLS has the edge over SOFI on returns for 2026, with the stronger performance.