SOFI
SoFi Technologies, Inc.
SOFI has the edge over SSBI overall, supported by stronger modeled upside and stronger valuation.
SSBI
Summit State Bank
SSBI trails on the overall score without a compensating advantage in the available component scores.
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.
SSBI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
SSBI's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SSBI.
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 SSBI in the historical PE scenario, which offers more potential upside but is not a forecast.
SSBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6x | $2.06 | -83% |
| Fair | 7.8x | $2.64 | -78% |
| Expensive | 11x | $3.65 | -70% |
| Current | 35x | $12.01 | — |
Historical ranges are pointers, not guarantees.
SSBI's PE is in its expensive range at 35x.
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.
SSBI Forward outlook
There aren't enough analyst estimates for SSBI 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 edge over SSBI on earnings, with more consistent year-over-year improvement.
SSBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.34 | +$0.58 |
| Q1 2026 | $0.89 | +$1.35 |
| Q4 2025 | $1.01 | +$1.63 |
| Q3 2025 | -$0.21 | -129% |
| Q2 2025 | -$0.24 | -127% |
| Q1 2025 | -$0.46 | -138% |
| Q4 2024 | -$0.62 | -138% |
| Q3 2024 | $0.72 | -64% |
SSBI has returned to profit: it earned $0.34 per share over the past year, after losing money 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 SSBI 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 has the edge over SSBI on profitability, with a higher operating margin.
SSBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $15M | -3.2% |
| Q1 2026 | $15.1M | -0.9% |
| Q4 2025 | $13M | -15% |
| Q3 2025 | $15.1M | -5.6% |
| Q2 2025 | $15.5M | +2.1% |
| Q1 2025 | $15.2M | -1.5% |
| Q4 2024 | $15.4M | +2.9% |
| Q3 2024 | $16M | -2.3% |
SSBI's revenue is shrinking: $15M last quarter, down 3.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -13% | -34 points |
| Q1 2026 | 15% | -5.3 points |
| Q4 2025 | 10% | +66 points |
| Q3 2025 | 8.4% | +3.2 points |
| Q2 2025 | 21% | +13 points |
| Q1 2025 | 20% | +7.2 points |
| Q4 2024 | -55% | -74 points |
| Q3 2024 | 5.2% | -10 points |
SSBI's operating margin was −13% last quarter, down 34 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
SSBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $4.2M | +$4.2M |
| Q1 2026 | $3.8M | +$7M |
| Q4 2025 | $2.6M | +58% |
| Q3 2025 | $7.2M | +215% |
| Q2 2025 | -$66K | -106% |
| Q1 2025 | -$3.2M | -596% |
| Q4 2024 | $1.7M | +$2.7M |
| Q3 2024 | $2.3M | +$4.7M |
SSBI 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 | — |
SSBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +13.3K shares |
| 1 year | +0.2% | +13.7K shares |
| 3 years | +0.7% | +47.5K shares |
| 5 years | +1% | +65.5K shares |
| Available history | +1% | +66.1K shares |
SSBI has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $12,000 |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
SSBI hasn't bought back shares in the past year.
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.
SSBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -33.1x | Net Cash |
| Q1 2026 | -12.9x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2024 | -10.3x | Net Cash |
| Q2 2024 | -3.4x | Net Cash |
| Q1 2024 | -0.3x | Net Cash |
| Q4 2023 | -3.3x | Net Cash |
| Q3 2023 | -4.2x | Net Cash |
SSBI 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).
SSBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.2 | Neutral |
| Stochastic | 13.2 | Oversold |
SSBI's weekly RSI is 43 (neutral) and its Stochastic is 13 (oversold).
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 SSBI on valuation relative to its sector.
SSBI PE vs Financial Services Sector
| Metric | SSBI | Sector median | Relative |
|---|---|---|---|
| PE | 35x | 13x | 171% above |
| PE % | 99 | 63 | 36 pts above |
SSBI is trading at 35x earnings, a 171% 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 |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
SSBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $12.0 | 0.1% below |
| 20 week MA | $12.6 | 4.4% below |
| 50 week MA | $12.9 | 7% below |
| 100 week MA | $11.4 | 5.4% above |
| 200 week MA | $11.8 | 2.1% above |
SSBI 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.
SSBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $11.7 | $11.4 | -2.3% |
| 2021 | $11.4 | $15.4 | +35% |
| 2022 | $15.4 | $15.3 | -0.3% |
| 2023 | $15.3 | $12.3 | -20% |
| 2024 | $12.3 | $7.59 | -38% |
| 2025 | $7.59 | $11.8 | +55% |
| 2026 YTD | $11.8 | $12.0 | +2.2% |
SSBI has the edge over SOFI on returns for 2026, with the stronger performance.