SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
TCPC
BlackRock TCP Capital Corp.
There isn't enough reported data to score TCPC yet.
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.
TCPC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
TCPC's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like TCPC.
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.
TCPC PE Valuation
TCPC has no meaningful PE right now: it lost money over the past year.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over TCPC on the outlook, with more favorable earnings and revenue expectations.
TCPC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong decline | |
| Strong decline | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect TCPC's earnings and revenue to decline, with profitability weakening.
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 TCPC on earnings quality, reporting a profit while its opponent remains loss making.
TCPC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.32 | — |
| Q3 2026 | -$2.37 | -$2.20 |
| Q2 2026 | -$1.28 | -$1.07 |
| Q1 2026 | -$1.49 | -$0.87 |
| Q4 2025 | -$1.05 | -$0.26 |
| Q3 2025 | -$0.17 | +$0.32 |
| Q2 2025 | -$0.21 | +$0.31 |
| Q1 2025 | -$0.62 | -272% |
| Q4 2024 | -$0.79 | -218% |
TCPC lost $2.37 per share over the past year, a bigger loss than 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 stronger quarterly revenue trend. Revenue is up 44% for SOFI versus up 5.5% for TCPC.
| 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.
TCPC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2022 | $44M | +5.5% |
| Q1 2022 | $42.2M | +2.4% |
| Q4 2021 | $39.6M | -7.7% |
| Q3 2021 | $42.7M | -0.3% |
| Q2 2021 | $41.6M | -7.7% |
| Q1 2021 | $41.2M | -0.2% |
| Q4 2020 | $42.9M | -10% |
TCPC's revenue has held roughly level: $44M last quarter, up 5.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2022 | 70% | +1.3 points |
| Q1 2022 | 69% | -0.3 points |
| Q4 2021 | 69% | -0.8 points |
| Q3 2021 | 68% | -1.3 points |
| Q2 2021 | 68% | -1.9 points |
| Q1 2021 | 69% | -11 points |
| Q4 2020 | 70% | -2.6 points |
| Q3 2020 | 70% | N/A |
TCPC's operating margin was 70% last quarter, up 1.3 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.
TCPC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $291.9M | +181% |
| Q2 2026 | $96.3M | +$138.2M |
| Q1 2026 | $159.1M | +203% |
| Q4 2025 | $40.5M | -43% |
| Q3 2025 | $103.7M | +2.1% |
| Q2 2025 | -$41.9M | -148% |
| Q1 2025 | $52.5M | +57% |
| Q4 2024 | $71.7M | +78% |
TCPC 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 | — |
TCPC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -12.6K shares |
| 1 year | -1.3% | -1.1M shares |
| 3 years | +45% | +26.1M shares |
| 5 years | +45% | +26.1M shares |
| Available history | +43% | +25.2M shares |
TCPC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $590,502 |
| Q1 2026 | $2.3M |
| Q4 2025 | $2.5M |
| Q3 2025 | $162,702 |
| Q2 2025 | $274,463 |
| Q1 2025 | $26,915 |
| Q2 2022 | — |
TCPC spent $5M buying back its own shares over 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.
TCPC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2022 | 10.7x | High |
| Q1 2022 | 10.8x | High |
| Q4 2021 | 17.2x | High |
| Q3 2021 | 10.8x | High |
| Q2 2021 | 11.0x | High |
| Q1 2021 | 10.6x | High |
| Q4 2020 | 6.7x | High |
| Q3 2020 | 9.5x | High |
TCPC's net debt is about 11 years of its operating earnings (EBITDA), down from 11 years a year ago. Net leverage isn't a meaningful measure for financial services companies like TCPC.
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).
TCPC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.2 | Neutral |
| Stochastic | 79.0 | Neutral |
TCPC's weekly RSI is 51 (neutral) and its Stochastic is 79 (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.
TCPC PE vs Financial Services Sector
| Metric | TCPC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
TCPC has no meaningful PE right now: it lost money over the past year.
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.
TCPC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.10 | 0.2% above |
| 20 week MA | $3.88 | 5.9% above |
| 50 week MA | $4.23 | 2.8% below |
| 100 week MA | $5.83 | 30% below |
| 200 week MA | $8.29 | 50% below |
TCPC 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.
TCPC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.1 | $11.3 | -20% |
| 2021 | $11.3 | $13.5 | +20% |
| 2022 | $13.5 | $13.0 | -3.8% |
| 2023 | $13.0 | $11.5 | -11% |
| 2024 | $11.5 | $8.56 | -26% |
| 2025 | $8.56 | $5.44 | -36% |
| 2026 YTD | $5.44 | $4.11 | -24% |
TCPC has the edge over SOFI on returns for 2026, with the stronger performance.