SOFI
SoFi Technologies, Inc.
SOFI has the edge over SYBT overall, supported by stronger valuation and stronger modeled upside.
SYBT
Stock Yards Bancorp, Inc.
SYBT 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.
SYBT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
SYBT's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SYBT.
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 SYBT in the historical PE scenario, which offers more potential upside but is not a forecast.
SYBT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 13x | $66.25 | -16% |
| Forward | 14x | $79.04 | — |
| Current | 15x | $79.04 | — |
| Fair | 16x | $84.19 | +6.5% |
| Expensive | 21x | $108 | +37% |
Historical ranges are pointers, not guarantees.
SYBT's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x 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.
SYBT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for SYBT, 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.
SYBT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.68 | +9.4% |
| Q3 2026 | $5.19 | +13% |
| Q2 2026 | $5.02 | +15% |
| Q1 2026 | $4.86 | +17% |
| Q4 2025 | $4.75 | +22% |
| Q3 2025 | $4.58 | +26% |
| Q2 2025 | $4.35 | +22% |
| Q1 2025 | $4.14 | +16% |
| Q4 2024 | $3.89 | +6% |
SYBT 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 SYBT 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.
SYBT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $120.2M | +18% |
| Q2 2026 | $114.6M | +17% |
| Q1 2026 | $103M | +10% |
| Q4 2025 | $104.4M | +12% |
| Q3 2025 | $101.5M | +13% |
| Q2 2025 | $97.8M | +14% |
| Q1 2025 | $93.5M | +12% |
| Q4 2024 | $93.5M | +8.1% |
SYBT's revenue has grown year over year for 10 quarters in a row: $120M last quarter, up 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +0.9 points |
| Q2 2026 | 44% | +0.4 points |
| Q1 2026 | 45% | +0.3 points |
| Q4 2025 | 46% | +4 points |
| Q3 2025 | 45% | +3.8 points |
| Q2 2025 | 44% | +2.7 points |
| Q1 2025 | 44% | +5 points |
| Q4 2024 | 42% | +6.7 points |
SYBT 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.
SYBT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $81.8M | +133% |
| Q2 2026 | $55.1M | +3.1% |
| Q1 2026 | $9.5M | -47% |
| Q4 2025 | $47.5M | +204% |
| Q3 2025 | $35.2M | -35% |
| Q2 2025 | $53.5M | +12% |
| Q1 2025 | $17.8M | +14% |
| Q4 2024 | $15.7M | -44% |
SYBT 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 the edge over SYBT on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
SYBT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.8% | +550K shares |
| 1 year | +5.4% | +1.6M shares |
| 3 years | +6.1% | +1.8M shares |
| 5 years | +16% | +4.4M shares |
| Available history | +36% | +8.3M shares |
SYBT has 31M diluted shares, up 5.4% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25,000 |
| Q2 2026 | $189,000 |
| Q1 2026 | $1.3M |
| Q4 2025 | $2,000 |
| Q3 2025 | $173,000 |
| Q2 2025 | $308,000 |
| Q1 2025 | $1.6M |
| Q4 2024 | $1.2M |
SYBT has spent almost nothing on buybacks 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 the edge over SYBT on leverage, with a lower net debt burden relative to earnings.
SYBT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.2x | Net Cash |
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | -0.2x | Net Cash |
| Q3 2025 | -0.3x | Net Cash |
| Q2 2025 | 1.4x | Healthy |
| Q1 2025 | -0.5x | Net Cash |
| Q4 2024 | -0.3x | Net Cash |
SYBT has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SYBT.
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).
SYBT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.7 | Neutral |
| Stochastic | 37.1 | Neutral |
SYBT's weekly RSI is 55 (neutral) and its Stochastic is 37 (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.
SYBT PE vs Financial Services Sector
| Metric | SYBT | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 17% above |
| PE % | 39 | 63 | 24 pts below |
SYBT 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.
SYBT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $78.0 | 1.3% above |
| 20 week MA | $79.8 | 0.9% below |
| 50 week MA | $73.3 | 7.8% above |
| 100 week MA | $72.9 | 8.4% above |
| 200 week MA | $62.3 | 27% above |
SYBT 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.
SYBT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.9 | $40.2 | -1.7% |
| 2021 | $40.2 | $61.7 | +53% |
| 2022 | $61.7 | $65.0 | +5.4% |
| 2023 | $65.0 | $51.5 | -21% |
| 2024 | $51.5 | $71.7 | +39% |
| 2025 | $71.7 | $66.7 | -7% |
| 2026 YTD | $66.7 | $79.0 | +19% |
SYBT has the edge over SOFI on returns for 2026, with the stronger performance.