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.
SRL
Scully Royalty Ltd.
There isn't enough reported data to score SRL 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.
SRL Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Unavailable | |
| N/A | |
| N/A |
There isn't enough reported data to rate SRL's fundamentals.
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.
SRL PE Valuation
SRL has no meaningful PE right now: it lost money over the past year.
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.
SRL Forward outlook
There aren't enough analyst estimates for SRL 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 earned $0.56 per share over the past year, about the same as the year before.
SRL Earnings Per Share
SRL and SOFI do not have enough comparable growth data to identify a winner.
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 SRL 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'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.
SRL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2025 | $13.5M | +5% |
| Q4 2024 | $12.6M | -36% |
| Q2 2024 | $12.8M | -30% |
| Q4 2023 | $19.6M | +0.1% |
| Q2 2023 | $18.3M | -29% |
| Q4 2022 | $19.6M | +12% |
| Q2 2022 | $25.7M | -21% |
| Q4 2021 | $17.4M | -12% |
SRL's revenue has slid since its 2016 peak: $13M last quarter, down 27% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2025 | 4.3% | -16 points |
| Q4 2024 | -30% | -24 points |
| Q2 2024 | 14% | -11 points |
| Q4 2023 | 25% | +16 points |
| Q2 2023 | 21% | -14 points |
| Q4 2022 | -6.3% | -36 points |
| Q2 2022 | 25% | +8.3 points |
| Q4 2021 | 8.9% | +14 points |
SRL's operating margin was 4.3% last quarter, down 16 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.
SRL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2025 | $2.4M | +$13.7M |
| Q4 2024 | -$10.9M | -$9.5M |
| Q2 2024 | -$11.3M | -206% |
| Q4 2023 | -$1.5M | -127% |
| Q2 2023 | $10.6M | +112% |
| Q4 2022 | $5.6M | +$6.9M |
| Q2 2022 | $5M | +$9.1M |
| Q4 2021 | -$1.3M | +$7.4M |
SRL's free cash flow was −$21M over the past year, against $20M the year before. Free cash flow isn't a meaningful measure for financial services companies like SRL.
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 | — |
SRL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.8% | +125K shares |
| 1 year | +0.8% | +125K shares |
| 3 years | +19% | +2.4M shares |
SRL has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2025 | — |
| Q4 2024 | — |
| Q2 2024 | — |
| Q4 2023 | — |
| Q2 2023 | — |
| Q4 2022 | — |
| Q2 2022 | — |
| Q4 2021 | — |
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.
SRL 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).
SRL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 23.1 | Oversold |
| Stochastic | 2.0 | Oversold |
SRL's weekly RSI is 23 (oversold) and its Stochastic is 2 (oversold).
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.
SRL PE vs Financial Services Sector
| Metric | SRL | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
SRL has no meaningful PE right now: it lost money over the past year.
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 SRL on trend strength, trading above more of its moving averages.
SRL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.60 | 17% below |
| 20 week MA | $5.17 | 26% below |
| 50 week MA | $6.50 | 42% below |
| 100 week MA | $6.61 | 43% below |
| 200 week MA | $6.77 | 44% below |
SRL is in a downtrend: it's below all five of its weekly moving averages, and 44% below its 200-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 has the edge over SRL on returns for 2026, with the stronger performance.
SRL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.1 | $4.25 | -58% |
| 2021 | $4.25 | $9.50 | +124% |
| 2022 | $9.50 | $7.66 | -19% |
| 2023 | $7.66 | $6.10 | -20% |
| 2024 | $6.10 | $6.66 | +9.2% |
| 2025 | $6.66 | $7.10 | +6.6% |
| 2026 YTD | $7.10 | $3.80 | -46% |
SRL's yearly returns have swung widely, from +124% in 2021 to −58% in 2020. It's down 46% so far in 2026.