SOFI
SoFi Technologies, Inc.
SOFI has the edge over STT overall, supported by stronger valuation and stronger fundamentals.
STT
State Street Corporation
STT 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.
STT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
STT's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like STT.
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 STT in the historical PE scenario, which offers more potential upside but is not a forecast.
STT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $122 | -30% |
| Forward | 12x | $174 | — |
| Fair | 13x | $153 | -12% |
| Current | 14x | $174 | — |
| Expensive | 15x | $183 | +5.6% |
Historical ranges are pointers, not guarantees.
STT's PE is in its expensive range at 14x. If earnings grow as analysts expect, today's price would be 12x next year's earnings, in its fair 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.
STT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for STT, 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.
STT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $14.95 | +22% |
| Q3 2026 | $12.24 | +30% |
| Q2 2026 | $11.33 | +27% |
| Q1 2026 | $9.85 | +11% |
| Q4 2025 | $9.40 | +14% |
| Q3 2025 | $9.42 | +47% |
| Q2 2025 | $8.90 | +65% |
| Q1 2025 | $8.88 | +64% |
| Q4 2024 | $8.21 | +47% |
STT 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 STT on sales, with stronger typical year-over-year growth.
| 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.
STT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $4B | +13% |
| Q2 2026 | $4B | +17% |
| Q1 2026 | $3.8B | +16% |
| Q4 2025 | $3.7B | +7.4% |
| Q3 2025 | $3.5B | +6.1% |
| Q2 2025 | $3.4B | +8.1% |
| Q1 2025 | $3.3B | +4.7% |
| Q4 2024 | $3.4B | +12% |
STT's revenue has grown year over year for 11 quarters in a row: $4B last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +3.6 points |
| Q2 2026 | 34% | +8.5 points |
| Q1 2026 | 26% | +0.5 points |
| Q4 2025 | 25% | -3.1 points |
| Q3 2025 | 31% | +3.4 points |
| Q2 2025 | 26% | -2.8 points |
| Q1 2025 | 25% | +6 points |
| Q4 2024 | 28% | +22 points |
STT 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.
STT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.9B | -75% |
| Q2 2026 | -$3B | +$5.8B |
| Q1 2026 | -$12.4B | -672% |
| Q4 2025 | $9.8B | +$17.5B |
| Q3 2025 | $7.7B | +210% |
| Q2 2025 | -$8.8B | -$903M |
| Q1 2025 | $2.2B | +$3.2B |
| Q4 2024 | -$7.7B | -299% |
STT has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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 | — |
STT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -1.8M shares |
| 1 year | -3.1% | -8.9M shares |
| 3 years | -12% | -38M shares |
| 5 years | -21% | -74.2M shares |
| Available history | -25% | -94.4M shares |
STT has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $400M |
| Q2 2026 | $400M |
| Q1 2026 | $400M |
| Q4 2025 | $400M |
| Q3 2025 | $400M |
| Q2 2025 | $300M |
| Q1 2025 | $100M |
| Q4 2024 | $550M |
STT spent $1.6B buying back its own shares over the past year, up 19% from 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.
STT 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).
STT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.5 | Neutral |
| Stochastic | 33.4 | Neutral |
STT's weekly RSI is 54 (neutral) and its Stochastic is 33 (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.
STT PE vs Financial Services Sector
| Metric | STT | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 9% above |
| PE % | 75 | 63 | 12 pts above |
STT 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.
STT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $171.9 | 1.1% above |
| 20 week MA | $180.3 | 3.6% below |
| 50 week MA | $155.2 | 12% above |
| 100 week MA | $129.0 | 35% above |
| 200 week MA | $103.2 | 68% above |
STT 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.
STT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $80.1 | $71.8 | -10% |
| 2021 | $71.8 | $93.0 | +30% |
| 2022 | $93.0 | $77.5 | -17% |
| 2023 | $77.5 | $77.5 | 0% |
| 2024 | $77.5 | $98.6 | +27% |
| 2025 | $98.6 | $132.3 | +34% |
| 2026 YTD | $132.3 | $173.7 | +31% |
STT has the edge over SOFI on returns for 2026, with the stronger performance.