SOFI
SoFi Technologies, Inc.
SOFI has the edge over SSB overall, supported by stronger modeled upside and stronger valuation.
SSB
SouthState Corporation
SSB 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.
SSB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
SSB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SSB.
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 SSB in the historical PE scenario, which offers more potential upside but is not a forecast.
SSB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 10x | $104 | — |
| Cheap | 11x | $100 | -3.8% |
| Current | 11x | $104 | — |
| Fair | 13x | $119 | +14% |
| Expensive | 16x | $154 | +48% |
Historical ranges are pointers, not guarantees.
SSB's PE is in its cheap range at 11x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
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.
SSB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for SSB, 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 earned $0.56 per share over the past year, about the same as the year before.
SSB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.95 | +5.8% |
| Q3 2026 | $9.40 | +29% |
| Q2 2026 | $9.52 | +42% |
| Q1 2026 | $9.28 | +46% |
| Q4 2025 | $7.87 | +13% |
| Q3 2025 | $7.28 | +12% |
| Q2 2025 | $6.72 | +7.7% |
| Q1 2025 | $6.34 | +3.4% |
| Q4 2024 | $6.97 | +7.9% |
SSB has the edge over SOFI on earnings, with more consistent year-over-year improvement.
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 SSB on sales, with more consistent year-over-year improvement.
| 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.
SSB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $685.4M | -1.9% |
| Q2 2026 | $672.7M | +1.2% |
| Q1 2026 | $661.7M | +4.9% |
| Q4 2025 | $686.9M | +53% |
| Q3 2025 | $698.8M | +64% |
| Q2 2025 | $664.8M | +56% |
| Q1 2025 | $630.6M | +52% |
| Q4 2024 | $450.3M | +7.3% |
SSB's revenue is growing: $685M last quarter, down 1.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | -3.6 points |
| Q2 2026 | 44% | +2 points |
| Q1 2026 | 44% | +25 points |
| Q4 2025 | 46% | +4.3 points |
| Q3 2025 | 46% | +2.2 points |
| Q2 2025 | 42% | +1.8 points |
| Q1 2025 | 19% | -18 points |
| Q4 2024 | 42% | +9.1 points |
SSB has the edge over SOFI on profitability, with a higher operating margin.
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.
SSB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $739M | +626% |
| Q2 2026 | $260.3M | +396% |
| Q1 2026 | $283M | +$422M |
| Q4 2025 | $215.5M | -37% |
| Q3 2025 | $101.7M | +$355.9M |
| Q2 2025 | $52.5M | -55% |
| Q1 2025 | -$139.1M | -151% |
| Q4 2024 | $340.9M | +$627.7M |
SSB 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 | — |
SSB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -248K shares |
| 1 year | -4.2% | -4.3M shares |
| 3 years | +27% | +21M shares |
| 5 years | +36% | +26M shares |
| Available history | +180% | +62.6M shares |
SSB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $26.3M |
| Q2 2026 | $98M |
| Q1 2026 | $160.4M |
| Q4 2025 | $181.5M |
| Q3 2025 | $43M |
| Q2 2025 | $97,000 |
| Q1 2025 | $11.2M |
| Q4 2024 | $75,000 |
SSB spent $466M buying back its own shares over the past year, about nine times what it spent 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.
SSB 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).
SSB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.6 | Neutral |
| Stochastic | 47.6 | Neutral |
SSB's weekly RSI is 54 (neutral) and its Stochastic is 48 (neutral).
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.
SSB PE vs Financial Services Sector
| Metric | SSB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 15% below |
| PE % | 24 | 63 | 39 pts below |
SSB has the edge over SOFI on valuation relative to its sector.
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.
SSB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $103.2 | 1.1% above |
| 20 week MA | $104.5 | 0.1% below |
| 50 week MA | $100.0 | 4.4% above |
| 100 week MA | $97.1 | 7.5% above |
| 200 week MA | $88.8 | 18% above |
SSB has the edge over SOFI on trend strength, trading above more of its moving averages.
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.
SSB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $86.8 | $74.0 | -15% |
| 2021 | $74.0 | $79.0 | +6.8% |
| 2022 | $79.0 | $76.8 | -2.9% |
| 2023 | $76.8 | $84.5 | +10% |
| 2024 | $84.5 | $100.6 | +19% |
| 2025 | $100.6 | $95.8 | -4.8% |
| 2026 YTD | $95.8 | $104.4 | +9% |
SSB has the edge over SOFI on returns for 2026, with the stronger performance.