SOFI
SoFi Technologies, Inc.
SOFI has the edge over SRBK overall, supported by stronger fundamentals and stronger valuation.
SRBK
SR Bancorp, Inc. Common stock
SRBK has lower modeled downside risk, despite its lower overall score.
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.
SRBK Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Healthy | |
| N/A | |
| N/A |
SRBK'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 SRBK.
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 SRBK in the historical PE scenario, which offers more potential upside but is not a forecast.
SRBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 24x | $18.83 | — |
| Cheap | 30x | $15.00 | -20% |
| Fair | 32x | $16.06 | -15% |
| Current | 38x | $18.83 | — |
| Expensive | 41x | $20.75 | +10% |
Historical ranges are pointers, not guarantees.
SRBK's PE is in its expensive range at 38x. If earnings grow as analysts expect, today's price would be 24x next year's earnings, in its cheap range.
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.
SRBK Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for SRBK, with profitability improving.
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 SRBK in the latest year-over-year earnings comparison.
SRBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.77 | +54% |
| Q3 2026 | $0.50 | -7.4% |
| Q2 2026 | $0.44 | -28% |
SRBK earned $0.50 per share over the past year, down 7.4% from the year before.
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 SRBK in the latest year-over-year revenue comparison.
| 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 SRBK on profitability, with a higher operating margin.
SRBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $8.9M | +9.1% |
| Q1 2026 | $8.4M | +8.2% |
| Q4 2025 | $8.4M | +6.4% |
| Q3 2025 | $8.2M | -2.8% |
| Q1 2025 | $7.7M | -12% |
| Q4 2024 | $7.9M | -16% |
| Q3 2024 | $8.4M | +80% |
SRBK's revenue is growing: $9M last quarter, up 9.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 16% | +5.1 points |
| Q2 2026 | 15% | N/A |
| Q1 2026 | 14% | +5.9 points |
| Q4 2025 | 13% | -4.1 points |
| Q3 2025 | 11% | -9.6 points |
| Q1 2025 | 8.1% | -7.3 points |
| Q4 2024 | 17% | -4.4 points |
| Q3 2024 | 21% | +288 points |
SRBK's operating margin was 16% last quarter, up 5.1 points 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 |
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.
SRBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.7M | +140% |
| Q2 2026 | $3.8M | +141% |
| Q1 2026 | $1.9M | -25% |
| Q4 2025 | $3.1M | +$4.6M |
| Q3 2025 | $1.1M | -33% |
| Q2 2025 | $1.6M | -60% |
| Q1 2025 | $2.5M | +345% |
| Q4 2024 | -$1.5M | -$557K |
SRBK has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
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 | — |
SRBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -4.1% | -311K shares |
| 1 year | -7.6% | -602K shares |
SRBK has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $328,000 |
| Q2 2026 | $4M |
| Q1 2026 | $5M |
| Q4 2025 | $4.1M |
| Q3 2025 | $2.9M |
| Q2 2025 | $4M |
| Q1 2025 | $3.4M |
| Q4 2024 | $3.2M |
SRBK spent $13M buying back its own shares over the past year, about the same as the year before.
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.
SRBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -7.9x | Net Cash |
| Q2 2026 | -10.0x | Net Cash |
| Q1 2026 | -7.6x | Net Cash |
| Q4 2025 | -4.4x | Net Cash |
| Q3 2025 | -3.1x | Net Cash |
| Q2 2025 | -3.3x | Net Cash |
| Q1 2025 | -9.2x | Net Cash |
| Q4 2024 | -5.4x | Net Cash |
SRBK has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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).
SRBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.0 | Neutral |
| Stochastic | 36.0 | Neutral |
SRBK's weekly RSI is 51 (neutral) and its Stochastic is 36 (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 SRBK on valuation relative to its sector.
SRBK PE vs Financial Services Sector
| Metric | SRBK | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 79 | 43 | 36 pts above |
SRBK is trading at 38x earnings, a 189% premium to the Financial Services sector's median of 13x.
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 |
SRBK has stronger trend alignment. SOFI is above 1 of 5 weekly averages versus SRBK above 3 of 4.
SRBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.7 | 0.7% above |
| 20 week MA | $19.2 | 2% below |
| 50 week MA | $18.2 | 3.7% above |
| 100 week MA | $15.8 | 19% above |
SRBK's trend is mixed: it's above three of its four weekly moving averages, and 19% 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.
SRBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $9.15 | $9.56 | +4.5% |
| 2024 | $9.56 | $12.1 | +27% |
| 2025 | $12.1 | $16.2 | +34% |
| 2026 YTD | $16.2 | $18.8 | +16% |
SRBK has the edge over SOFI on returns for 2026, with the stronger performance.