SOFI
SoFi Technologies, Inc.
SOFI has the edge over TCBS overall, supported by stronger modeled upside and stronger fundamentals.
TCBS
Texas Community Bancshares, Inc.
TCBS 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.
TCBS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
TCBS'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 TCBS.
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.
TCBS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 15x | $17.30 | — |
| Cheap | 16x | $18.97 | +9.7% |
| Fair | 24x | $27.51 | +59% |
| Expensive | 79x | $91.78 | +431% |
Historical ranges are pointers, not guarantees.
TCBS has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
TCBS Forward outlook
There aren't enough analyst estimates for TCBS 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 TCBS on earnings, with more consistent year-over-year improvement.
TCBS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.16 | +36% |
| Q2 2026 | $1.21 | +55% |
| Q1 2026 | $1.09 | +63% |
| Q4 2023 | -$0.24 | -141% |
| Q3 2023 | $0.00 | -100% |
| Q2 2023 | $0.03 | -90% |
| Q1 2023 | $0.12 | -43% |
TCBS earned $1.16 per share over the past year, up 36% from 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 TCBS 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 TCBS on profitability, with a higher operating margin.
TCBS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $4M | -9.2% |
| Q2 2026 | $4.4M | +18% |
| Q1 2026 | $4.1M | +8.9% |
| Q4 2025 | $4.4M | +13% |
| Q3 2025 | $4.4M | +18% |
| Q2 2025 | $3.8M | +4.9% |
| Q4 2024 | $3.9M | +16% |
| Q3 2024 | $3.7M | +8.9% |
TCBS's revenue is growing: $4M last quarter, down 9.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 14% | -3.2 points |
| Q2 2026 | 26% | +4.1 points |
| Q1 2026 | 23% | +3.4 points |
| Q4 2025 | 23% | +7.5 points |
| Q3 2025 | 17% | +1.3 points |
| Q2 2025 | 22% | +11 points |
| Q1 2025 | 20% | N/A |
| Q4 2024 | 16% | +27 points |
TCBS's operating margin was 14% last quarter, down 3.2 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.
TCBS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.1M | -32% |
| Q2 2026 | $786K | -4.4% |
| Q1 2026 | -$178K | +$1.4M |
| Q4 2025 | $160K | +$247K |
| Q3 2025 | $1.6M | +81% |
| Q2 2025 | $822K | +215% |
| Q4 2024 | -$87K | +$1.8M |
| Q3 2024 | $858K | +97% |
TCBS 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 | — |
TCBS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -18K shares |
| 1 year | -4.9% | -141K shares |
| 3 years | -13% | -407K shares |
| 5 years | -16% | -533K shares |
TCBS has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $816,000 |
| Q3 2025 | $1M |
| Q2 2025 | $846,000 |
| Q1 2025 | $495,000 |
| Q4 2024 | $576,000 |
| Q3 2024 | $418,000 |
| Q2 2024 | $430,000 |
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.
TCBS 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).
TCBS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.9 | Neutral |
| Stochastic | 32.1 | Neutral |
TCBS's weekly RSI is 52 (neutral) and its Stochastic is 32 (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.
TCBS PE vs Financial Services Sector
| Metric | TCBS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 8 | 66 | 58 pts below |
TCBS 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.
TCBS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.1 | 1% above |
| 20 week MA | $17.4 | 0.3% below |
| 50 week MA | $17.2 | 0.9% above |
| 100 week MA | $16.6 | 4.5% above |
| 200 week MA | $15.1 | 15% above |
TCBS 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.
TCBS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $15.1 | $15.5 | +2.8% |
| 2022 | $15.5 | $15.1 | -2.5% |
| 2023 | $15.1 | $14.1 | -6.6% |
| 2024 | $14.1 | $15.1 | +6.9% |
| 2025 | $15.1 | $17.6 | +17% |
| 2026 YTD | $17.6 | $17.3 | -1.7% |
TCBS has the edge over SOFI on returns for 2026, with the stronger performance.